Extra Cash
Friends of ours find quite a few extra quarters looking beneath vending machines and public washing machines at the laundromat . A yardstick with a sock or a bit of a rubber glove on the end could be helpful here. Yes, you have to swallow your pride a bit. You can also get your unsuspecting children to do this for you, especially if you promise them a portion of the profits!=)
Owe medical bills and have some cash? Call the business and tell them you can make a monthly payment of ...., or you can pay them a lump sum now, and ask them if they'd be willing to settle. Often, they will. This is a longer term savings rather than instant extra cash, but it frees up cash each month when you would have been making payments on the bill.
Look around the house and see if you have anything you bought, but did not use (updated to add that clarification) at the local Walmart or other store with a friendly return policy, and take it back. I once bought five or six sets of bamboo shades on sale, only to discover that they were too small for my windows. I bought them on clearance, and I was too busy to take them back, so I put them on a high shelf in my garage and forgot all about them (updated to add that, again, they were unopened, still in the package). Two years later when we were looking for a source for some quick extra cash, my eyes fell on those shades, and we got some extra cash and some extra space in the garage.
Sell something via Craig's List, or, if your church has an email list and permits it, on the congregation's bulletin board or email list.
Offer services to people you know- a friend of ours from church just posted recently that he was looking for odd jobs as he needed some extra cash for gas money. My mother had been talking about needing somebody to help her with bathing and shaving my dad, who has dementia, and I suddenly remembered this friend has worked with elderly dementia sufferers before. Tutoring, menu planning, housecleaning, baby sitting, dog sitting, cooking, proof-reading, sewing patches on uniforms (scouts or military)- these are all ways different people I know have earned some extra cash.
Do you regularly make a trip to a nearby town for music lessons, a doctor appointment, or to shop at a particular store? Spread the word that you're willing to take somebody else or are willing to pick up special groceries in exchange for gas money.
Look around your house and yard for some scrap metal to sell. Collect coke cans as well- get the kids involved in this, and let people know your family is collecting them.
You can win cool stuff with swagbucks, (but you have to use their search engine to win stuff- if you signed up but haven't used their search engine, you're not gonna get the goodies!). I mainly use mine for five dollar Amazon gift certificates. You can 'stack' the Amazon certificates, adding more each time you earn new ones so they add up, and then you can buy things like books, office supplies, and even groceries with the Amazon gift certificates.
cashbaq: You get five dollars just for signing up, then various businesses will give you a certain percentage of cash back (cashbaq, get it?) when you shop through them- and these ARE businesses you might just be shopping at anyway. We've purchased eyeglasses online for 30 dollars and then gotten six dollars cash back, and I gotten cash back for some school book purchases and toiletries as well. Updated to add: Ebates has been around longer than cashbaq, and they offer the same great deals, only better, including absorbing old cashbaq customers and honoring the cashbaq dollars their customers earned!)
Look around the house and take things to the local consignment store.
What do you do when you need some extra cash that just isn't in the budget?
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15 Responses to “Extra Cash”
January 7th, 2011 at 9:11 am
While a couple of these suggestions are ok the one about taking back items purchased on clearance years later is a very bad idea. It just seems deeply wrong on many levels. We all know that items purchased on clearance are non returnable so this is akin to stealing in my eyes and is one of the reasons that retailers are always raising prices. I won’t be a part of the problem. It could have been donated or sold at a flea market or yard sale. It’s all about responsibility and choices, make wise ones.
January 7th, 2011 at 11:09 am
Victoria, I disagree with you on many levels, and think you have jumped to conclusions without enough information, in addition to making a few assumptions that are incorrect.
It would not have occurred to us to take those things back to the store on our own. We would have assumed that the store would not take them, but we got the idea to try taking them back from a Dave Ramsey class, and there’s nothing at all unethical about asking.
It is simply not true that items purchased on sale are always nonrefundable. I am not sure where you got that idea from. That is up to the individual store. Doesn’t it make more sense to you that one should find out any given store’s policy from the store itself rather than from a stranger on the internet who has nothing to do with that business?
We were polite and civil and were more than willing to accept no for an answer, but we just thought we would ask- and their answer was not the same as yours. It’s not at all clear to me why it’s unethical to accept the store’s verdict over yours.
As a matter of fact, we told the store they’d been purchased on clearance and they also had clearly marked price tags denoting them as purchased at a clearance price. The the store took them back and refunded our purchase price without blinking an eye. In fact, the shades had two different sale prices on them, and I had paid the lower price. But when we returned the items, the clerk missed the second price tag and would have give us the higher price. We pointed out the lower price and she thanked us for our honesty and adjusted the refund downward as we requested.
I had purchased the shades on sale because it was the end of the season for bamboo shades, and they were clearing them out to make room for heavier fall and winter items. But we returned them at the start of another season, and I happen to know they resold them for full price rather than the sale price they refunded. I know this, because I saw them there a week later, and I know they were the same shades because of a mark on one of the packages that occurred while they were in our garage.
So no, I completely disagree with you that this was deeply wrong on any level at all. I would be willing to just agree to disagree on this, except I absolutely must repudiate the false accusation that this was stealing. I was NOT stealing, and I was NOT part of any ‘problem.’
I am also concerned that somebody who has a serious need for some extra cash might read this and be falsely dissuaded from taking a perfectly ethical step to get more cash. So I would like to assure others that there is no evidence that it is either irresponsible or unwise to return unused items still in the original packaging to the store where they were purchased and ask if you could have a refund. Nor, of course, is it stealing, a bad idea, unethical, or in any way dishonest.
Those working at that store can say no if that is contrary to their policy or practices. They can give you a a gift card for use in the store itself if they want to be sure the money stays in the store. Or they can give you cash. It is their decision to make, not an anonymous stranger’s.
There’s nothing unethical at all about asking. I am sorry you think it’s stealing in your eyes.
Happily, God defines stealing, and it’s not stealing in God’s eyes, nor was it stealing in the eyes of the store management.
January 7th, 2011 at 5:34 pm
I think it would depend if the shades were still in the package. As a retailer, I read that and balked as well, but if you never used them, I think it’d be alright.
I do know I’ve had friends return things they used, and yes, the store accepted it, but having worked in retail I know that the “friendly return policy” has burned our store more than once and we have had to raise prices for everyone else because of it.
January 7th, 2011 at 6:17 pm
Jillian, none of them were used. They hadn’t even been once removed from the original package. I bought several, took one out and that’s when I realized I had purchased shades that were not wide enough for my windows. I kept the one I took out of the package (I hung it anyway, but I also hung up very wide, full curtains at the sides to make it work).
The ones returned had never even been touched. I am sure no customer who purchased them could tell the packages had spent a couple years on a shelf in my garage.
Stores put a ‘friendly return policy’ in place to draw business and encourage people to purchase things they might not need since they can return them later. Saying it is dishonestly taking advantage of that to return an item purchased at teh store and never used, and this causes the store to raise prices for everybody is…
Well, it’s like this. Stores also have major sales where they mark down certain items to below cost. These are called ‘loss leaders.’ They do this because they wish to entice customers into their store in the hopes that while there, they will buy other items at the full price. they will even keep the loss leader items near full priced items that go with the loss leader to tempt you to buy more than you intended to.
We all know that the really great sale items are loss leaders. But only a most unreasonable person with stricter ethics than God could argue that it is somehow dishonest and unfair to other customers to exercise self control and go into the store and purchase only the loss leader items.
To me it’s the same moral issue- if a store puts in place policies and practices for the purpose of attracting customers to come in and spend money (which is fine), then it is not unethical to use those policies and practices.
January 7th, 2011 at 7:55 pm
Headmistress–While I agree with you that it is OK to take things back that are still in the package–even if you bought it on clearance (no qualms there) my problem is those that think, “Hey! I used this, but it’s still in OK condition, I’ll just bring it back.” To our store, that was abuse of our “friendly return policy” and due to that abuse, we first raised prices, and then had to switch over to a much more complex return policy. A few bad apples spoiled it for everyone. The policy is to allow those who lose (or don’t keep track of) their receipts to still feel comfortable shopping, not pamper those that want to use the item and bring it back. That is what I’m trying to say.
Case in point: One friend went to WalMart, purchased many Rubbermaid containers to move with, then returned them all after her move so she wouldn’t have to buy boxes. I was appalled. I would hope that anyone with any sense of moral ethics would be.
January 8th, 2011 at 9:14 am
In order to make some extra money for our last wedding, we sold 2 wedding bands that had been left to our family. They did not hold sentimental value, but even if they had, using something special to help pay for a lifetime memory would be okay with us. We also years ago, sold a set of china which had been Husband’s mother’s. We have certainly missed this set when celebrating special occasions, but felt that a spiritual conference our family wanted to attend was more of a priority.
Sometimes instead of trying to make more, we seek to use less. Gas is a big budget expenditure for us because we live in Texas where driving far is common place. We have been known to seek to stay home more when this budget gets too stretched even though it means making hard relational decisions.
January 8th, 2011 at 9:50 am
I remember my young son figuring out that trick about lost quarters! He always seemed to find ways to make or find money even as a youngster. He was also early into soda can recycling and perhaps his most brilliant move was collecting the change off the lunch trays that his jr. high friends would dump into the trash! Now he’s #2 in a large non-profit in Africa and keeps finding money–this time in the millions!
January 8th, 2011 at 11:27 pm
I offer up handmade goods to people when they express an interest. Use materials I have around the house to make gifts, I also look for ways to save money on regular expenses, sometimes I find we slip into spending more money on convenience items, when there are cheaper options available, so I revisit my spending when we need some extra funds.
January 10th, 2011 at 3:28 pm
Thanks for the swag bucks tips! That’s a cool idea.
January 11th, 2011 at 11:21 pm
Four years ago I organized a scrap metal drive that made close to 5 thousand dollars for our Scout group. (Scrap can really add up!)
I wrote an article about my favorite ways to make some extra cash on the side http://www.morestylethancash.com/2010/05/ten-legal-ways-to-make-some-extra-cash-from-your-home.html All tried and true methods that either I, my family or my friends have done for a little extra cash.
January 12th, 2011 at 10:44 am
hmmnn, I keep reading about swagbucks but never have done anything about it. maybe it’s time to start!
January 14th, 2011 at 10:25 am
Jillian, I do agree that it is unethical to buy something with the intention of returning it after you’ve used it. But this is an article about coming up with emergency cash, and spending money first to buy something and then return it isn’t really a way to come up with extra cash.
I did know of one situation where a friend of mine wanted to use some items for centerpieces at a banquet and then return them, but she asked the management first. The management agreed to let her do this in exchange for a restocking fee AND her promise to advertise for them at the banquet, which she did. I think she both mentioned them, and printed up little cards for each table thanking the business for their user-friendly policies and elegant decor. I never would have thought of doing that, and wouldn’t have had the nerve even if I had thought of it, but it seemed to work for benefit of both business owner and the banquet thrower.
Dmarie, we have gotten a lot of five dollar gift certificates to Amazon via Swagbucks. I love it.
January 15th, 2011 at 1:38 pm
I love when people come up with creative and mutually beneficial deals like your friend! Thanks for sharing the story.
January 15th, 2011 at 3:27 pm
Walmart here has a 90 day return policy. I had some scrubs that got forgotten in a bag, and they wouldn’t take them back even though they weren’t clearance and the same ones are still on the rack.
July 4th, 2011 at 5:17 pm
No more cashbaq but many other cash back sites out there that are great. I like to compare them all using http://www.cashreporter.com
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