10 ways to find money in a hurry before pay day

Picture of a fiver in a purse for my post on 10 ways to find money in a hurry before payday

Need money in a hurry?

If you got paid early before Christmas, it can be a struggle stretching until pay day at the end of January.

The double whammy of credit card bills for Christmas spending, plus any tax bill before 31 January, hits hard.

Borrowing to cover the gap just stores up more trouble for the future, even before you’ve forked out for overdraft charges or credit card interest.

So here are my top 10 tips on where to find money in a hurry, if you’re skint until your salary shows up.

Shop from the contents of your cupboards

First tip is to stop any spending beyond absolute essentials, so start by using what you already have at home, rather than buying more.

I’ve been trying to cut food costs this January by using up the contents of our kitchen cupboards, fridge and freezer. (Updates after weeks one, two and three). Rather than buying new clothes, ransack your wardrobe to see what you already have. Kids bored after the excitement of Christmas? Dig out old toys, games and books. It can be fun revisiting forgotten favourites.

Return for refunds

Is there anything you can return, and get your money back? Think unwanted Christmas presents, duplicates or clothes ordered online that you don’t like or don’t fit. Take stuff back or post it off pronto. Don’t waste money because you didn’t get round to it. We ended up buying a second mobile phone for my daughter’s birthday (long story!) and getting a refund for the extra handset was a big help.

Sell stuff

Anything unwanted you could sell? For money in a hurry, eBay can take too long, waiting for an auction to end and faffing around with postage, packing and Paypal fees.

Instead, try using Gumtree or your local Facebook selling pages, where buyers can collect quickly and pay in cash.

Previous post: Expert tips when buying or selling on Gumtree

I’ve also used websites like We Buy Books to raise money fast. You scan barcodes on books, CDs and DVDs using your smartphone, get an instant quote and print off a free postage label for your parcel. They pay promptly, the day after receiving your stuff

Grab a giftcard

Did you get any gift cards for Christmas? Don’t leave them at the back of a drawer, if you could use them towards essential purchases. We were glad to use a Waterstones gift card to buy a card and present for a January birthday.

Raid Christmas cash

When money is tight, it’s always worth doing a sweep of all your pockets, purses, wallets and handbags. Literally look down the back of the sofa, behind the bedside table and inside the car for any parking change.

Also worth checking with your children, in case they’ve hung on to any Christmas present cash. Try to avoid them charging you higher interest than a pay day lender, and do pay back any IOUs promptly after raiding piggy banks!

Chase up money owed

Speaking of money owed – does anyone owe you anything? Have you lent any money? Done any work where you’ve haven’t been paid?

This month, I’ve been chasing invoices. I also spotted that I hadn’t received the £50 promised for opening an account. After a quick call last week, the money hit my bank balance on Monday. Many cheers.

Cancel unwanted subscriptions

Anyone else sign up for a free trial of Amazon Prime, in a flurry of Christmas shopping? My husband hit the button by mistake, but we just don’t shop or stream enough to make it worthwhile. Added bonus when he rang to cancel: Amazon actually refunded the £7.99 subscription taken the day before.

Cancelling unwanted direct debits is usually a longer term money saver, because it cuts living costs in future. But even if it doesn’t raise cash right now, it’s still worth doing. So dig out your bank statements or check online banking, and ditch any direct debits you don’t need any more.

Previous post: How to save money on your bills with Bean

Claim cashback

Check your balance, if you use cashback websites like TopCashback and Quidco when shopping online. Cashback can take a while to be credited, but once it is payble, you can ask for a BACS transfer straight into your bank account.

Alternatively, you could earn up to 25% extra if you take your cashback as vouchers to use in specific shops or websites.

Cash in on loyalty cards

Check your balance on loyalty cards too, if you ever use the likes of Tesco Clubcard, Sainsbury’s Nectar and the Boots Advantage Card. Normally, I recommend getting maximum value for points and vouchers by exchanging them in Double Up or Boost promotions. However, if times are tight those points can be useful for essentials like food, toiletries and school uniform.

Request an energy refund

Have you overpaid your energy bills? If your monthly direct debits for gas and electricity are set too high, it’s possible to build up a big balance. So take your meter readings and ring your supplier to check.

At this time of year, you might want to have a credit, to cover bigger bills during the colder months. But if your balance has hit hundreds of pounds, you can ask for that money back – and ask to pay a lower monthly direct debit in future.


Now – over to you. That’s my checklist on where to find money in a hurry. What would you add? What’s worked for you before? Do share in the comments, I’d love to hear!

Pin for later:

Pinterest size image of a fiver in a purse for my post on 10 ways to find money in a hurry before payday

Leave a Reply

Your email address will not be published. Required fields are marked *


  1. Chris
    20th October 2023 / 12:15 am

    Thank you for discussing the potential of online courses and digital education as a means of making money. It’s a rapidly growing industry with vast opportunities. For more details, click here.

  2. Kelva
    27th November 2023 / 5:51 pm

    I appreciate the emphasis on identifying and capitalizing on trends and market opportunities when pursuing money-making ventures. It’s a proactive approach to success. To learn more, click here.

  3. Manuel Franco
    1st December 2023 / 8:59 am

    I just want to say Thank You to everyone who supported me through the years. My name is Manuel Franco, New Berlin, Wisconsin. My story of how I won the Powerball lottery of $768.4M is a bit of a tale. I have been playing Powerball tickets for 6 years now since I turned 18. I bought my first ticket on my 18 birthday. I was feeling very lucky that day because I had contacted Dr. Odunga Michael to help me with the winning Powerball numbers. I really had that great great feeling that I looked at the camera wanting to wink at it. I only did a tiny part of it and trusted him. He gave me the numbers after I played a couple other tickets along with it for $10. I checked my ticket after the winnings came online and saw the numbers were correct including the Power play. I screamed for about 10 minutes because it felt like a dream. I had won $768.4M. You can check my winning testimony with the lottery officials just with my name search. Thank you Dr Odunga. Well, his email is odungaspelltemple@gmail.com and you can also call or Whats-app him at +2348167159012 so you guys can contact him

  4. Iqbal
    5th December 2023 / 10:27 am

    I’m impressed by the range of money-making strategies you’ve covered in your post. It caters to readers with diverse interests and skill sets. For more details, click here.

The contents of this blog are for information and ideas, and should not be viewed as financial advice. Use of the material is conditional on there being no liability for how you choose to use it. If you are unsure about any investments or financial issues, please contact a financial adviser.