The application is like money for money. Proper use of a credit card
Many ask where you can take a lot of money for free and for free? Where to urgently take money for a wedding, apartment, house or on opening a business from scratch?
Hello, dear readers! With you one of the authors of the business journal Khitirbobur.ru, Alexander Berezhov.
I will share my practical experience and tell you where to get money quickly or take.
He himself turned out to be in such situations when it urgently needed some amount of money and had to quickly move the brains and find them literally in 10 minutes.
From the article you will learn:
- Where to get money for free?
- Is it possible to get money for free?
- How to get money using microloans?
- Where to take money on a business for a minimum percentage?
Here I will also tell you how it is necessary to borrow money and return debts, and what errors should be avoided if money is urgently needed.
Sit comfortably, start!
1. Where you can quickly take money to an ordinary person without work
Money may need a man at any time: you remembered that today is a friend's birthday (girlfriend, grandmothers, aunt), comrade for work invited you to a wedding, urgently need to pay a debt, and the salary, as discharged, is delayed - it is not situations in Life.
Well, if before the hour of X (time, when finances are needed) - a few days, and if there are several hours, and cash is categorically absent? In this article, I will tell you where to take money to an ordinary person (not the director of the bank or businessman) the fastest and optimal ways.
So where to take money when they are not? The question may seem rhetorical and even philosophical.
However, when money is really needed and urgently needed, people are somehow not to philosophy: you have to urgently seek cash. If we are talking about small amounts within a few thousand rubles ( 100$-200$ ), the most common way is to take from friends. And if you need more? Where to take money to the apartment, car, to open your own business? There are much less options.
Most people respond to work more. The remark is fair, but only partly. About, we already wrote. But sometimes even working, you can need money. For example, if the salary is small or already spent. In this case, you need to use imagination and mental abilities.
Money in the surrounding world, in fact, a lot. Even more than enough. The problem is that they are unevenly distributed. One people have a lot of them, others - on the contrary. What do you need to do you? Go to those who at the moment finances are there. Another question is how to persuade, convince, to make those people who have a lot of money, pass them (temporarily or free) to you. Immediately throw away dubious and not legal ways The departure of the money is to take someone else's deception, force, theft - categorically bad.
This article discusses only honest and legitimate options.
We list the main methods of finishing finance, and then discuss in detail the advantages and disadvantages of each of them:
- Take from friends and acquaintances;
- Make microloons;
- Get a bank loan;
- Urgently sell some valuable personal thing;
- Use the services of Lombard;
- Urgently perform fast work and get paid immediately;
- Return their debts;
- Suppose housing and temporarily live with friends (at mom with dad or other relatives);
- Ask for the debt among criminal structures.
Immediately I will say that the last method is quite dangerous. You can use the services of "brothers" only in the most extreme case if you are confident in yourself in people with whom you conclude a deal. However, if the question where urgently take money, it is impossible to solve in a different way (all banks refuse, friends - no penny), then there is nowhere to go - you have to take away from those who give.
2. Microloans - a real way to get the right amount in 1 hour
Another 10 years ago about microcredit, few people heard, but at present the number of organizations, companies and individuals, even outbuilding business with the help of microloans, rapidly increased. Now the question where urgently take money, no longer causes such a headache as before.
Microloam - This is a loan for small amount (as a rule, up to 50,000 rubles) for a certain period (usually this month from the date of the transaction).
For loan design, only one document is needed - passport (plus decent appearance). The size of the interest rate depends on the amount you take into debt, as well as the maturity of the loan.
5 benefits of microloans:
- For a minimum of the time to design a loan. The application is filled in a few minutes, you do not need to spend time collecting various references and documents, as in a bank;
- Guarantors are not required. Usually in banks you will be asked to find at least one guarantor, because each credit institution wants to reduce its financial risks;
- You do not need to voice the purpose of the loan. As a rule, to get a target loan is much easier. For example, a mortgage or car loan is much more willingly issued than consumer loans;
- Getting money online. Some organizations transfer money to bank cards through the Internet - you don't even need to go anywhere. Credit loan is also possible through the online office of various payment systems;
- Easy to receive money. You do not need to be "begging", disturbing friends and relatives. For a microfinance organization, you are just one of the many customers.
Microloge is the most convenient and simple option if you need money in the very near future. This is a way for those who refused to raise money in a bank (due to the lack of required guarantees) And those who want to get finances quickly and without any questions from the lender.
Today, microcredit can be issued via the Internet without collateral, guarantors, certificates of income, the provision of financial history and other problems.
To do this, you just need to go to the site, fill out the questionnaire, specify the phone number and enter into personal Area. After that, you need to choose the amount, the loan repayment period and agree with the conditions of the organization you work with. It will take to send a scan of a passport (or report passport data) and specify the number of the bank card.
Now there are many companies that give microloans via the Internet, but I recommend working only with the most proven and reliable, which have transparent conditions of cooperation and a clear loan issuance scheme.
Among the advantages of this method:
- Easy to get a loan. The process of filling and approval of the application takes no more than 5 minutes;
- The loan amount is up to 30,000 rubles. When you first handle up to 10,000 rubles and further above;
- Convenience. Get money is possible 4 options: on bank card, to a bank account, through cONTACT system, and on a QIWI wallet.
If you have a QIWI-wallet, it will be even easier: money will be transferred to your account after consideration of the application that must be issued in the relevant section. True, in most cases the amount of the first loan does not exceed 5,000 (the company checks the reliability of the client), but then the amount increases many times. If you are extinguishing the loan ahead of schedule, the amount of overpayment will be minimal.
If the work of S. electronic systems It seems difficult to you, you can make microloons in the "Offline" mode - that is, contact the microfinance organization nearest from your home (MFI). Solutions on request are made literally in a few minutes.
Now about the disadvantages of this method.
The most important minus is, of course, a calculated percentage. The rate in microcredit is much more than when issuing a loan in a bank. A particularly tangible overpayment percentage will become if you accidentally or deliberate the day and the hour of payment.
- Give busy money on time.Remember that for the delay in refund of funds are accrued high percentages. So you will mostly use money taken into debt.
- Take exactly as much as you need.Do not give in to the persuasion of MFO workers that take, for example, 10,000 more convenient than 8,000. If you, again, tighten with the payment, this small difference will grow in a tangible amount.
With microloans figured out, go to the rest of the way.
3. Where to get money for free to free - 10 faithful ways
These methods for most people are obvious, but when money is needed right now, a person is in a state of stress and forgets about some of them.
That is why I decided to describe them here.
Method 1. Take friends and acquaintances
Take money in debt among acquaintances or friends - the option is obvious, but not always comfortable.
- Firstly, It is unlikely that your acquaintances will be delighted with your offer (remember the folk wisdom: "The best way to lose friends is to take money from them");
- Secondly, You have to take someone else's money, but to give up your own. However, this method Selects a significant percentage of people urgently needing finance.
According to statistics, it is preferred to occupy people with friends from friends - aged 40 to 50 years. Youth prefers more creative options.
Where to take money If all banks and microloans refuse?
Having come from friends and in the event that all banks and microloans denied bad credit history or other reasons.
Well, if you have rich familiar, for which the rate of return does not have a fundamental importance. In other cases, you will need to inform the creditors to exemplary debt repayment date. The method has its advantages: Friends will not take for the throat if you do not get money in the promised period, and no percentage is required to pay.
But on the other hand, although friends are more tolerant and loyal than financial organizations, the abuse of their kindness is not worth it.
If you delay the return of money, it is better to immediately warn about it: to go underground, turning off the phone - not the best way of behavior. If you are honest, most people will be included in the situation, and perhaps will help the Selly Council.
By the way, it is properly to occupy money from acquaintances - a whole science. There are even special strategies to make this operation most efficiently.
For example, experts advise that it is better to take large sums Several people than a large one. So the likelihood of money will grow multiple times. After all, for a person 1000 rubles - not money, and 10 people 1000 rubles ... a decent amount is already obtained.
Method 2. Take a bank loan
Where to take a lot of money right away? On the apartment, house, car, opening a store or business? Serious amounts can be obtained in a bank. Consumer and business loans are a rather popular way to obtain finance. The interest rate on loans in the bank is much less than in the MFI, and the maturity period is sometimes stretched for years. Another thing is that not everyone can take advantage of this opportunity.
To get money in a bank, it is necessary that the borrower satisfies certain conditions. With these banking memories just faces large percentage People wishing to get a loan.
Basic requirements of the bank to borrowers:
- Confirmed stable income. If you do not have official work and 6-month confirmed income as a salary, then the chance to get a loan decreases;
- Positive credit history. Well, if you do not have to anyone or have already occupied money from banks, but returned exactly on time;
- The presence of a guarantor (in some cases). Guarantors are people who subscribe under your loan agreement and will pay your debts if you can not do.
Of course, if you wish to take a loan in the bank you will be asked for documents certifying the identity and certificates of income. Sometimes banks require a deposit in the form of valuable property, such as a car or apartment.
In other words, the bank wants to be sure that you will give him a debt anyway. Choosing money from you physically in the case of which no one will become, but to pick up your property to debt can easily.
The main advantage of obtaining a loan in the bank is the ability to take a fairly impressive amount. You can give a loan in small parts monthly: psychologically it is much easier than to operate with big money.
Among the popular banks at the moment you can allocate the following:
What can be sold through ads on the Internet:
- collective clothes (in good condition);
- antiques;
- gramplastics;
- collections of brands;
- books;
- vintage or Soviet coins;
- modern Russian anniversary rubles.
Sometimes in the attic, on the mezzanine or in the storage room you can find a thing for which collectors can give quite decent money.
Extreme way to get money for women and informals!
Some hairdressers are expensive to buy hair (minimum length 20-25 cm). Haircut often happens to face - pursues and makes a variety.
In the East, it is believed that she cuts off his hair, a person updates his karma.
It is possible to sell a metal scrap. If you live in a private house, you have a cottage or garage, then unnecessary metal trash probably shed somewhere if you look good. Colored metals, by the way, cost a lot of money.
Maybe you have bronze or aluminum figurines, paintings from non-ferrous metals or just pancake copper wires - all this potential money today!
Method 7. Pass your accommodation and temporarily move to friends.
A person for life is enough square meters Square. Another question is whether such a life will be comfortable, but for the sake of a great goal you can suffer.
If you have real estate and it is possible to temporarily move to relatives, good friends or acquaintances, you can rent an apartment for rent and take money forward at the residents. Especially in the megalopolis such a variant can bring good profits. The same can be done in the resort zones in the season (in the summer and early autumn).
If you are a happy owner of two-bedroom (or more) apartments, then you don't even need to move anywhere: just pass the student's room and take it to pay for a few months. Here you have the amount of opening small business. If you are looking for where to take money on business, I received them, read the article "" - this will help you correctly manage the funds received.
Method 8. Find "Shabshka" or perform a one-time job
Temporary work to students and everyone - a popular heading on vacancy sites. One-time work that is paid daily can be found in any city. This and the work of "climbing" in some boutique, and the post of delivery courier, and writing articles by freelancers, and part-time job for students.
Girls can be given a nanny or one-time house assistant with hourly payment.
Even better, if you are a narrow specialist in some sphere - for example, you can quickly translate text from Chinese into Russian.
Do not be afraid of heavy and "black" work? If you are a strong guy, hire a loader (the unloading of wagons and other one-time events), a cleaner, handy the construction worker. Such work is assessed by employers, of course, not too high, but it does not need to take anyone.
Method 9. Return the money of his debtors
Where to take money "on freebie", that is, without the need to give them after a certain period? Of course, our debtors. If you are a sociable person and have many familiar and friends, one of them will certainly have to make you money. Think if it was time to pay, and unobtrusively remind debtors about the return of loans.
It happens that people call themselves and remind you that they need them, but as a rule, you yourself have to chase your debtors as a lender and remind them of the return of money.
Method 10. Dangerous way - ask for loan from "brothers"
You can contact the world of crime only in special, completely hopeless situations - when no one gives in loans, no one gives a receipt, friends are hidden, and cash has ended in the MFI.
Of course, this situation is possible only if you have appropriate dating - well, if, for example, your classmate has become a major criminal authority. However, in this case, it costs 100 times to think before accepting such a risky solution.
4. Donation as one of the non-obvious ways to receive money
Being a donor is not only honorable, but also profitable. But to donate blood too often - harmful and dangerous to health, and in one portion will not give a lot. In addition, not everyone is ready to pass their blood from ethical considerations. And one more nuance - only an absolutely healthy person can become a donor.
Although if you have become a professional donor, then for the surrender of blood in an amount of 40 times or plasma in an amount of 60 times, you get the title "Honorary Donor" and then it is supposed to you monthly payout, visiting doctors without a queue, compensation of travel and even rest in the sanatorium 1 time per year.
By the way, you can become not only a blood donor, but also a sperm donor (for men) and even organs.
For example, the kidneys are very highly valued on the medical market.
For women, the use of your body for having children (surrogate motherhood) is suitable.
Science and progress goes and donation can become a good source of income for some people, although in some cases this money can not be obtained immediately.
5. How to borrow money and give debts - 5 useful tips
Before borrowing money or start returning them, I recommend reading my tips. They work, tested on their experience!
Basic Loan Rules and Money Return:
- Take into debt and give it better in the morning, Since in the evening, people accumulate fatigue, which negatively affects all financial transactions.
- Learn the conditions Repayment of loans and returns to debts in advance.
- Rate all risks Financial operation before signing the contract, and not after.
- Money has cost in time: If your friends are expensive, give debts on time.
- Do not forget to thank Those who are borrowed.
By the way, according to Feng Shui, give money better on the falling moon, and take - on the growing.
Even using the "magic of money", to get them on free, hardly turn out. It is better to count on your mind and common sense.
How to pay a loan
If you take a loan, then take it on as long as possible!
Many of this are afraid, because the overpayment amount in this case will be more. However, most loans can be repayed early, which means that you can return debt as soon as you have money.
But if you, for example, took 100,000 rubles for 1 year, will on average you will pay 10,000 rubles per month, but if you took the same amount for 5 years, then your payment is about 2500 rubles.
What do you think, what amount is it easier to pay per month: 2500 rubles or 10 000 rubles? - The answer is obvious.
Pay loans with minimally possible sums recommends Robert Kiyosaki - a famous investor, businessman and teacher in the field of financial literacy, author of the game "Cash flow 
How to attract money in your life - 7 simple ways Attracting greater money + secrets of their reception
Hello, dear readers of the business magazine site! There are situations when money is needed right now. Not everyone has deposits or soars, where you can urgently take the desired amount of money, for example, to a wedding, apartment, house or on the opening of your business from scratch.
Many of the concepts do not have, where to quickly get (find) these funds and convulsely move in the mind of all acquaintances, remembering from which of them can be occupied. Well, if there is at least a few days on the search for money. What if just a few hours? Even if money is needed enough urgently, they can be mined by legal means.
From this article you will learn:
- Where to take money right now;
- Who can take money into debt;
- Where to get money for free and whether you can get them on free;
- Where to take money if all banks and microloans refuse.
So, let's start in order!
What if you need money? Consider the main ways where you can take money, even if all banks and microloans refuse
1. Where can I take money right now - 8 useful tips 📌
Some people mistakenly believe - to find money, you need to work as much as possible, and the only goal of the unemployed is to begging. But it is completely wrong.
Opportunity to get money from non-working person exists always . You can, for example, get inheritance or win the lottery. About Tom, we told in one of our articles.
In the first case It is necessary to have rich relatives who are ready to die in the case of urgent financial difficulties of heirs. BUT in second - It is necessary to be a big lucky. And the same thing happens very rarely, therefore, as a way of rapid profit is not suitable.
So how to quickly take money to man without working? Next, you will find simple tips that are suitable for most people.
Tip number 1. Get rid of unnecessary
In the cartoon "Prostokvashino" Cat Matroskin convinced: "To sell something unnecessary, you must first buy something unnecessary". Just need to think carefully what things have not been used for a long time, but are in good, working condition and can be useful to others. For example, for some reason, you do not use your personal car, you can sell it. We have already written in our past release.
On the expanses of the Runet there are many free bulletin boards, where sales advertisements are located without leaving home.
The main thing in this way is to make more high-quality photos Things to sell things. After all, the cat in the bag is not needed.
Note!
Of the two ads, the buyer will always choose the one that with the photo, even if its price and a little more expensive.
You can sell the existing technique, clothing, shoes, crafts and anything.
Selling via the Internet is not the only way to get rid of unnecessary things. They can also be attributed to the flea market, arrange a garage sale or use the services of commissions stores.
If there is no desire to part with things forever alone, you can always lay in pawnshop and get a loan.
The attractiveness of this method in the speed of its implementation. There will not be checked a certificate of income, find out what goals needed.
But the disadvantage is that everything in a row is not taken in the pawnshop. Preferably all jewels, household or office equipment.
Note!
Clothes or shoes to pass into the pawnshop is almost impossible, they are considered a non-indexed commodity and are not in demand.
The value assessment of things is also not pleased, the real price for a thing in the pawnshop will not be offered. There carefully calculate wear and even for jewelry with a tag linked.
To buy out goods from the pawnshop, a certain period is established, after which the thing is set to implementation.
If the laid item is needed and wants to return it over time, and it cannot be done on time, you can pay only percentage of credit and extend the pledge.
It is important to be able to evaluate your chances, regular trips to extend the mortgage relationships in Lombard will lead to the fact that the person does not work, but, on the contrary, will only spend.
Tip number 3. Create what can be sold
To the issue of sales of unnecessary costs creatively And do something really unusual.
It is possible, for example, to create a notebook of ten desires, it is nice to make each page and think over unusual texts on each.
Such a useful and creative hand-meid will be delighted by any representative of weak gender. And, it means that buyers on this kind of goods will definitely have.
This method is especially good on the eve of the International Women's Day or the Day of Lovers.
Good way For those who have materially secured friends. But you need to be ready to get a refusal and not to be offended by them.
Modern people rarely store moneyThey understand that it is reliably and profitable to put funds for a deposit and receive a stable income. Accordingly, few people want to take the deposit and lose interest only to help out a friend.
Take note!
If the friends of wealth do not differ and loose money, then the probability that the lender will require the return to him earlier The specified string.
In order to take advantage of this method, you need to prepare a convincing story (or legend) why so urgently needed money.
No one wants to take unavailable goals.
In addition, nothing so spoils the relationship as not on time the return debts. The borrower risks irretrievably losing friends, and they are known to more than money.
Tip number 5. Rent real estate
It all depends on the place of residence and the presence of an alternative place of residence.
Here are some suggestions:
1) If there is a cottage behind the city, you can move there for the warm season.
Of course this will create some inconvenience, but in financial Plan This decision will be justified immediately. After all, housing is surrendered only on prepayment terms and often in a few months immediately.
Do not forget that you can rent and directly the cottage. If it is located in an ecologically clean place, near the reservoir or forests, who want to spend there will be a lot there.
If there are no cottages, the option to take the property for rent still remains.
2) You can hand over one of the apartments.
This will certainly contribute some inconveniences in a measured life, but you can continue to control the condition of your property every day and do not think about how carefully the tenants are related to it.
3) If the apartment is in a prestigious area, then you can rent accommodation on the outskirts, and to pass your own.
The difference between rental rental apartments in different parts of the city may differ among themselves in two or three times, the main thing is good to prominate prices.
Tip number 6. Secondary use of materials
The first thing that comes to mind is the bums that collect bottles. This, of course, is also an option, but not the only one. Still a couple of tips:
1) You can collect waste paper.
Each apartment has deposits of old newspapers, magazines, books and other paper products that will never be useful. As a favor, you can help the neighbors get rid of such a trash.
People gladly get rid of the rubble and give it to a stranger, just not to wear themselves.
2) you can collect plastic, glass, scrap metal, wood, etc.
But you need to store it somewhere, to the reception point every day it is just inconvenient.
How to quickly find a job to urgently fulfill it and get paid immediately - 5 excellent opportunities
It is mistaken to believe that work is limited to payment wages once a month. There are many opportunities to receive payment immediately After completing the task.
Opportunity 1. Wring Flyers or Advertising Booklets
Payment for such work is low, but this occupation does not imply the availability of skills and experience.
Salary is issued every day on the fact of execution.
Plus, they will become good oratoric abilities, if a person knows how to interest passersby and beautifully tell about the advertising product - such an occupation will take a read hours.
But the absence of a well-set speech will not be a hindrance, the flyers can be distributed and silently. It will take a little more time, but will not affect payment.
Opportunity 2. Cleaning
Organizations providing services for cleaning premises are expensive for their services.
Full clearance of the apartment is paid not bad. So bothering a qualitatively day, you can earn from several hundred before several thousand rubles. It all depends on the amount of work.
And if the owners really like the quality, it is possible that they will invite a person on an ongoing basis or recommend to take advantage of its services to friends, which will ensure a stable income.
Ability 3. Furniture assembly
The case at first glance is complex, without experience it is impossible to perform it. But furniture assemblers are very often required subbands.
Such work, in addition to daily income, is also good and useful skills.
Having worked for some time the subband, the person will learn the intricacies of the furniture assembly and eventually be able to provide this kind of service.
Also, the subband can be built on the construction site. Work is hard, but in demand.
Opportunity 4.Care
It is mistaken to think that you can only care for older people.
Leaves leaving, many need to find someone who will care for home plants, pets, aquarium fish.
Perform such work is easy and profitable.
Opportunity 5. Speculation
Simple words - purchase in order to sell more expensive. You can resold everything that is in demand.
For those who are able to wake up at dawn and owns a vehicle, the ideal option will be the purchase of products in the village and resale them in the city.
Residents of megacols love to buy homemade milk, eggs and other products, but they ride them to buy them.
There will be hours for such work 5-6 in a day. If only regular customers will bother with diligently every day.
You can resell household, office equipment or cars. truth without investments here can not do, The first purchases of the goods will be needed definitely.
Tip number 8. Earn online
2.1. Advantages of microloans
Let's consider the main advantages and nuances of the microfinance system:
- Speed \u200b\u200bof design. You do not need to wait for several days of approval by different specialists. The means are issued almost instantly, usually within an hour from the moment of circulation.
- Enough passport. Microloan design company does not require certificates of income or other documents. It is enough to provide the only document - passport.
- Lack of hidden commissions. All amounts that are subject to return are indicated in the contract. Payments are separated by equal parts for the lending period. At the time of registration, the borrower clearly understands how much he needs to pay monthly for full repayment loan.
- Availability. Items issuing in any city quite a lot, there is no need to go from one end settlement in another.
- Confidentiality. The borrower does not ask what goals requires money. It does not matter. Besides no guarantor is requiredAnd this means that none of the outsiders will not be devoted to the history of lending. About the loan will be known only to those who, the borrower, will consider it necessary to report personally.
- The ability to receive online. Some companies offer microcredit without the presence of the client in the office. The application is applied online and is also considered, and the funds come on a bank card. Repayment of the loan These ways are also possible from a bank card you can list funds, sitting at home at a computer. Read the features and stages of receipt, read in a separate article of our magazine.
There are a lot of companies providing microloans. Your task is to choose the option with favorable conditions, spending some time to analyze the microcredit market.
Moneyman.
- The company fully serves customers online. After registering on the site and fill in the application, the decision will be ready for 15-20 minutes. Terms of loan: the amount of the first loan to 10 thousand rubles, subsequent to 70 thousand rubles. Percentage per day - 1.85. Money is listed at the request of the client to the card or account.
Kredito24.
- The company provides microcredit for 10-15 minutes. Enough just fill out an application on the site. Emergency repayment or loan extension is allowed. Conditions: Amount up to 30 thousand rubles. Term up to 30 days. Credit history is not checked, no confirmation of solvency is required. Loan is provided on the passport.
Lime-Zaim
- The company provides loans on the following conditions: The amount is up to 30 thousand rubles. (at the first time of 9 thousand rubles).
The rate is individual for each client. The middle rate per day is 2.16%. Fast decision making, instant loan issuance.
By deciding, you need to remember the following:
- The percentage for using such a loan will be above than the usual bank loan.
- Large penalties for delay. Payments need to be made on time, and even better a few days before its end. On the last day, payment may not pass for any technical reasons and payment of penalty will be inevitable.
- If you pay full opportunities monthly amount No, it is necessary to make interest. The body of the debt will not decrease, but the penalty will not be accrued.
- In the event of an online application, you need to go through the registration procedure. And this means that you will have to make your personal data. Internet fraud is now gaining momentum every day, therefore there is always the risk that personal data can get into dishonest hands. Before making a microloan, it is better to spend a few minutes to check the accuracy of the borrower: Call at the specified number, google address and find out if this microfinance organization is really located in the specified location.
- If a credit funds Listed on a bank card, and not issued at the box office, there are three banking days for the processing of payment. And if the transaction is delayed, then for the use of the loan interest accrued to be accrued earlier than the funds are actually received..
- Do not take more than you need. "Excess" money will quickly grow up, and they will still have to give them away, besides with percentages.
14 ways to take (get) money quickly and legally
3. Where to get money for free and for free - 14 proven ways 💰
Earn, without applying effort and not possessing certain abilities, of course possible:
- Can buy Taro cards, open chakras and begin to predict a bright future surrounding;
- You can become surrogate mom and endure a child in someone else's people;
- Winning in the lottery or gambling will be able to replenish the budget immediately and possibly without tax deductions to the state.
But all these ways illegalAnd their use can start not so distant.
Consider only those that will really help fast and legitimate Get money.
So, go to them!
Method number 1. Donation
The method is suitable for physically healthy people.
Add to gratuitous This method can only be called conditionally, because the donor always gives its material instead of money. But no special effort and time for its application is not necessary, with the exception of organ donation. But, firstly, Organs sell in our country prohibited, and this article discusses only legitimate ways to profit. BUT secondlyThis is a very long procedure, from the delivery of the first analyzes until the selection of a suitable candidate may pass for several years.
And here blood or plasma to pass in a couple of hours. But in search of the clinic where the blood is buying expensive, you will have to spend time too. Very often, such procedures are generally free or cost is so low that even makes no sense to spend money on passing to transfusion station.
Important!
You must not forget that more often than once a month the blood cannot be handed over, it is harmful to the body.
Sell \u200b\u200byour hair. But only those that grow on the head. Sale of vegetation with the other parts of the body is not in demand.
Long, strong, healthy and most importantly unpacked hair bother for a decent amount. Different salons offer different prices for hair. If there is time - it is better to progress the cost in different places and choose the most expensive.
The minus of this method is that it can be used every few years and then wait when the hair will repent again.
The most expensive method is summer donation. Eco Centers dearly buy men's seed fluid. Women's eggs are also in demand, but for obvious reasons, they are not as easy as sperm.
Choosing this method should be understood that the biomaterial is not just like that, but for reproduction.
Method number 2. Experiments
For conducting scientific or medical testing on the human body, they pay large, and sometimes even very large amounts. But before the start of this procedure, each person signs a document that has no complaints about its consequences.
Note!
Often the restoration of normal life is more expensive than the amount that the specified method managed to earn.
Method number 3.Become a fitter
With this idea you need to go to the art salon and offer them your beautiful body. A good way for those who have believed the perfect figure. But if without a gym, the form does not manage to support - then the money earned will only be enough for the payment of sports activities.
Method number 4.Ask money for free
Relatives, friends or just familiar can give a small amount of money not in debt, but just downloadable.
It is very important to be able to correctly ask and tell, why so urgently needed money. It is clear that no one will give anything to buy the next handbag or payment of games in the tanks.
Surrounding willingly share money for treatment and all sorts of romantic things. But to lie about health is not worthThis is unethical and delirious. But the amourn business is always appropriate. Many are not even as a favor, but with pleasure, a little reconcile the embodiment of unusual romantic ideas.
It is also worth mentioning the collection of money through crowdfunding sites. We wrote in one of our issues.
Method number 5.Strain n
Not always were financial difficulties. Perhaps the "forgetful" debtors remained in the past and the time came to remind themselves.
Method number 6.Ask for state
And it's not a joke. The main value of the state is people. A variety of programs have been developed to help poor. Consider the most important:
- Federal labor and employment service guarantees help in finding work. At the same time, the time of such searches is paid. For unemployment payments, I don't have a lot of "sewing", but it is better than nothing. This option is not for lazy. To register, you will have to run for certificates, and then regularly coming into service. After all, their goal is not to ensure the unemployed with money, but to help you make a specialty.
- Subsidies. It would seem what attitude they can have to earn? But if you calculate how many per month goes to utility payments, the reason for the permanent payment financial crisis It becomes clear. Subsidization will help reduce the cost of paying housing services. So there will be a little more money in the wallet to other expenses.
- Developing your own business. The state allocates start-up capital for the development of small and medium-sized businesses. It is not enough to have enough to have in my head, you need to be able to properly file it. Write, calculate the costs and planned income, the payback period of the project. To obtain a state loan to business development, it is necessary to legitimately pay taxes. If there are tax arrears - the business plan will not even accept the consideration.
Method number 7.Grace credit card
To obtain a bank loan for a short time, it is not necessary to go to the bank every time. Just once redemption. If you disciplined to return the DAGs on this period, there will be no additional overpayments.
Initially, the credit limit usually does not exceed 10 000 rubles. But the stable timely repayment of debt leads to a gradual increase in this limit.
It is useful to know one trick: You can have credit cards several.
Scheme is simple: From the first credit card, we use grace periodAnd when it ends - remove the debt on the first and so on with the second, Gasim.
But you need to understand that the error in counting the end of the grace period at least one day will destroy the entire scheme. For the delay of payment, interest rags and avoid overpayment will not be possible.
Self profitable offer Credit Cards:
Alfa Bank
offers several credit options: 1)
Map of Visa "Classic" with a limit in the amount of up to 300 thousand rubles. And the term of interest-free use of a 100-day card. 2)
If it is necessary, the major cost of money is issued by the "Gemini" card. It can be issued a limit of up to 600 thousand rubles. The main conditions are standard.
An application for a card can be issued online. Loan amount up to 350 thousand rubles. Installment for free. Issuance, account management is also free.
Sovcombank
Offers a new credit card by installments "Halva". In the interaction of outlets and bank, the client is provided with an installment purchase to 12
months without reducing the cost of goods. Calculations are made by Khalva map. This card can be calculated for all purchases without initial contributionThe main thing is that the store is a bank partner.
Tinkoff Bank
- registration credit card in online mode. Enough registration on the site and writing statements. For consideration of the application requires a passport and another document. The decision to open lending limit is accepted within 15 minutes. The card can be obtained in the bank office or it will be delivered at the place of the claim (service is free).
VTB Bank of Moscow
It offers to get a credit card with a fun Russian name "Matryoshka". You can order a map on the site online.
Kesh Beck is offered in the amount of 3% of all calculations of the card. Limit on the map - 350 thousand rubles.
The first year of service for free, in the next two years free service When revolutions on a map in the amount of min. 120 thousand rubles. in year. An interest-minded period of 50 days.
Method number 8.Ask for help on the Internet
Do not confuse this method with fraudulent schemes with which the worldwide network! It is about the request, so all sorts of untold foul stories about the dying relative immediately discard.
Optimally asking for women's forums, contingent there is a candle. The main thing is to think about your request to the smallest detail, to be able to interest the interlocutors, stand out among the others.
On the promoted forums, there are quite a lot of people, and even if every third will send 10 rubles - The amount will be impressive.
This method is well suited in the event that money urgently needed to buy a certain thing. for example , the only sneakers broke out, the child will be born soon, and no cribs, there is nothing to wear, etc.
If you correctly voice your problem on the forum, then you will help solve the mass of site visitors. Be sure to have someone's extra sneakers of the desired size, an unnecessary cot for a long time to take out, etc.
Method number 9.Find treasure
And it's not a joke. Will help it metal detector. Often, it is not worth every person in the storage room, but it is not problematic to find this device, in RuNet a lot of offers both sell and rent. And even if there is no money for rent, you can always agree on a temporary exchange for something from your own things.
This is one of the most pleasant ways to earn: He took the metal detector and went through the fields and the meadows breathe fresh air. The device was wrote down - the goal was achieved, the treasure remained to dig and under the legislation of the Russian Federation to give half the owner of the Earth in which he was. But after all, the second half remained, is not free?
Method number 10.Becoming
In the time of the USSR, the prosecution was criminally punishable, but now the law does not prohibit us to ask the neighbors about help, which means it is one of the legal ways to make money. It is also necessary to approach him.
Of course you can just stand up with an outstretched hand in the transition, but it will not be so effective how to take the guitar and show your talent or grate into a living statue and meritor others.
Method number 11.Talk Show
This way of earning is gaining increasingly popularity. The person simply participates in the shooting of the program, the cost depends on the role to be played.
For participation in the shooting of TV shows as a mass viewer paid from 150 to 500 rubles.
It is practically not extended to the crowd special requirements, it is quite good to look and listen to the director.
Much more profitable to act as the main character, the fees are paid for this work from a thousand to several tens of thousands rubles. But it is not easy for such a role, you will have to pre-pass the casting.
Method number 12. Marry calculating
Most easy way thoroughly get rich. Fit and women and men. About and get rich from scratchWe have already told in one of our issues.
Together with decent money you can get a bunch additional bonuses: Status in society, the ability to eat well, relax on expensive resorts.
But call this method the most advantageous method of earnings will not work, as it has one significant minus. The announcements about the search for a poor satellite of life not to find in newspapers or on the Internet.
Method number 13. Become a star YouTube
Successfully shot and laid out on the roller will allow to turn from ordinary person in popular and recognizable.
Even teenagers know that for advertising clicks When viewing the rollers, this resource pays money .
Price per click Depends on the age of the channel, the number of videos placed on it, as well as interested subscribers.
For more information about how much Youtube pays for watching Viederolikov, read in one of our articles. There are many in it useful information For those who want to start with full scratch.
Method number 14. Take a bank credit
Most of the money is kept in financial institutions, namely in banks.
Banks are specially created in order to give percent.
Another purpose of the bank - storage of savings in interest, but in the context of this article consider it there is no point.
Banks give loans for cars, apartments, furniture, rest, repair and even for treatment. By the way, in more detail about, we told in one of our articles.
Advantages bank lending Compared to the microfinance organization (MFI) protrude low interest rate and long term lending. All in a row bank money does not distribute.
Basic criteria for issuing a loan in Russian banks
The borrower must comply with such criteria:
- Have an official stable income. It is confirmed by certificate of income over the past six months from the place of work. Without this document, a loan is not made unambiguously.
- The presence of positive credit history. At the same time, credit history is not conducted in each individual bank. All these institutions are combined into one registry, data is made on each loan. It is indicated whether debt was redeemed on time, there were delay, all negative nuances were displayed.
- Guarantor. This is a person who steals to fulfill the obligations instead of a borrower if the latter will not pay on time. In the event of a loan for a large amount, the Bank may require a few guarantors. And this is quite problematic, even native people do not want to take on the duty to fulfill other obligations.
- Pledge. Indicated not in all, but only in loan agreements on large sums. In the pledge you can issue as real estate, so I. vehicles. It should be understood that in the event of non-payment of loan, the bank will take the collateral property to himself.
- Insurance. The bank is important that the borrower is alive and healthy until the complete fulfillment of obligations. Therefore, the loan is often possible only after registration insurance Polisa.. And these are additional costs.
Today, the most profitable offers on loans offer the following banks:
IN Sovcombank You can get a loan for various purposes: buying a car and apartment, for major costs and urgent needs. Loans are issued with minimal package of documents working and retirees up to 85 years.
Alfa Bank - one of the most reliable and sustainable credit organizations countries. Works for financial market more than 25 years. Provides for any purpose up to 3 million rubles for a period of 1 to 5 years.
VTB Bank of Moscow - Strong I. reliable bank. Provides a wide range of different loans. Consumer loans individuals Available in the amount of up to 3 million rubles. from interest rate from 14.9% per annum.
We also wrote about that in a separate article - we advise you to read it.
How to make a loan:
- Carefully read the contract. Even bank employee Said that the contract is standard, all of it sign and there is no problem. You need to read each line, especially what is written in small font. The borrower must understand the conditions early repayment, whether there is a additional services And how are they charged, fines for delay, etc.
- Pick up the optimal credit program. In each bank there are several lending programs. You just need to take a calculator and carefully calculate which one to take advantage of the most profitable.
Remember the simple rule: The easier and faster to issue a bank loan, the worse its conditions and more overpayment of interest.
Good advice: It is better to spend a few days on paperwork, but get money on more favorable terms.
Details about where and as described in our separate article.
Where to get money into debt urgently with a bad credit history, if everywhere refuses - about it further
4. Where to take money if all banks and microloans refuse - 3 exit from the situation when money urgently needs ✅
If friends refused to occupy, the credit history was tamed and the loan was not given, and it did not work out on the Internet, should not be desirable. There is always a way out and, as a rule, not one. You only need to look good enough. What to do in case of refusal of lending by financial institutions?
Exit 1. Ask for a private investor
Private investor - This is also the lender. Why not contact him? He also does not need certificates of income, enough passport. But you have to tell why the money is required and from which income is planned to return them. Without convincing history, it is not even necessary to contact private traders, it will definitely be a failure.
Features of getting a loan from a private investor:
- If there is a pledge - Chances of getting such a loan is high. But the risks are also present. About Tom, we told in the last publication.
- Investor honesty Check very difficult. Fraud in this area flourishes. Worth searching
It happened that I urgently needed money, not on nonsense - a car seriously broke, from which all my earnings depended. And we recently took a mortgage and all savings went to the fee. I had to sit down and very seriously lay down, where to take money, and better - free. The situation clearly demanded non-standard solutions, because the relatives also helped as he could. I just sat down and discharged all the options on a sheet that two evenings pondered.
Where to get money free and urgently:
- Win in the lottery (the guarantee of success is zero, you can spend on tickets last and not one will "shoot").
- Borrow (but we already lent the family to the apartment).
- Ask for an unfamiliar people, they will find good people, especially with return. But at special sites, money is collected for months to a specific noble goal, treatment, launch of products.
- Pawnshop. You can lay values, but what?
- Credit. We already had one loan, we have confirmed it for three months and the chances that we will be given another, they sought to zero.
- Microloam. But confused the conditions.
- Earn. But ways to quickly earn so much money legal way For three days I did not find, except on the Internet. There was no real estate for rental.
- Receive state subsidies And money on business development.
- Competent use of a credit card.
- Sites of free ads: Sell unnecessary things.
Always the most reliable way to solve a sudden financial problem Will take debt among relatives or friends (and then work out on the second job or "sables", not afraid that they can not pay in time). But after all, Rodney's pockets are not bottomless, and talk about the pros and cons. Who has a reliable relatives and such an opportunity, other ways and will not seek. As a result, Lombard appeared a very attractive option, the more risks practically no.
What is the benefit of contacting Lombard:
- From the documents only a passport is needed.
- The loan is made very quickly.
- Pretty large credit limit, up to 600 thousand rubles.
- A large range of property that can be laid (usually jewelry, cars, gadgets, even a fur coat).
But all these advantages are crossed by one minus - and you have something to lay? With an inexpensive wedding ring, profits will be no more than a thousand rubles that will not solve the problem. The car is needed for movement, and the fur coat should be new ...
How much I changed my mind, but in all the options weathered weaknesses. The most realistic eventually turned out to be a microloan in some proven organization. It would be more logical to make a loan in a bank, no secret to anyone, that even the "greedy" bank gives amounts for a long time under a smaller percentage. But the trouble is there a lot of conditions.
List of conditions for obtaining a loan in a bank:
- Have a stable income and documents to confirm it. That is, a certificate of stable income for a minimum for six months. Not suitable for those who recently changed work gets minimal official salary, and the rest - in the envelope. In fact, a good half of the people does not satisfy this simple bank condition.
- Need a guarantor. It is not very smiling to look for a person who will guide how to pay for you debts to the bank if something happens to you.
- Good credit history. At the same time, if you needed money for the first time and there was no credit history in life, it is rather minus than plus. Credit will rather give those who bought a washing machine not immediately to the accumulated funds, and the year paid money for it credit Treatydecorated right in the store.
- Pledge. If the certificate of salary is not enough, it may be necessary to lay a house or car, and it is impossible to lay property for which the loan has not yet been paid.
But to be mistaken in the fact that in the delay of payments, the bank will behave civilized, not worth it. Banks are very actively cooperating with collectors, and since customers have a stream for stream, to delve into your personal complex situation No one will be. So with debtors everywhere conversation short.
As a result, my wife and I came back to the microloan - there are risks, but at least the scheme is clear, and get money real. To do this, specially checked reviews on the Internet, to judge, by the way, you need not for good reviews, but by the number of bad. Good everyone can write, but bad - only a upset client.
Microloge arguments:
- Money is issued immediately, no checks and regular trips to the bank, how to work.
- Money can be obtained immediately on the map by filling out the application via the Internet.
- You do not have to strain your friends and relatives to your problems.
- No need to confirm your property to help, explain why money needs.
- No need to search for guarantors.
Not everything, of course, so flawlessly. Interest here is higher than banking, but this is a forced fee for the efficiency and ease of receipt of money. If we relate to the loan responsibly, everything will take place exactly as in the bank.
There are two main rules that should be adhere to if you take a quick loan.
1. Always clearly know what amount is needed. Never take "for a round account" twenty thousand instead of fifteen. Non-target money will be broken down by little things, and interest with them will be accrued and increasing the amount of the final return. It is better to carry and take the amount clearly necessary to the sharp need.
2. Return on time. No collector agencies It will not be hunted for you to hunt, it is necessary to overdue the payment for a week or two, but for the delay it is completely logical to charge additional interest, and this is already a completely unreasonable overpayment.
Make money online
The Internet allows you to quickly earn the necessary amount without leaving the house, however, to achieve the desired one, you will have to make certain efforts, and this is the most difficult.
Among the most popular methods of earnings:
- Partnership programs. You advertise a stipulated product or service, and if they are interested in users - get a certain percentage.
- Video blocks. Share with the world with your ideas or talents - the reviews of toys or popular online games are especially popular. On average, one review pays up to 5,000 rubles.
- Likes, comments, reposities. Many communities in social networks offer remuneration above. If desired, in just a day you can get an additional income - just perform the work plan.
State subsidies and money on business development
Oddly enough, first of all it is worth contacting the state. Now the legislation provides for a number of opportunities for those who wish to get financial assistance. You can get up on the labor exchange, or register as individual entrepreneur, make a business plan and ask for money from the state to business development.
Sell \u200b\u200bunnecessary things on free classifieds
It is best not to spend time on all sites, and use the most popular, for example: AVITO.ru
Proper use of a credit card
This idea is based on the competent use of bonuses and a grace period. Most banks offer their customers additional benefits - paying out in stores, you can get a certain percentage of each purchase on a bonus account.
And when using money on the map there is a grace period - to pay off debt for a certain time. Accordingly, if you pay the card and make a spent amount spent for 30-50 days, then the percentages are not accrued. But the bonuses will be available on the account - if you do not remove them for a long period of time, then a decent amount can be accumulated, which will be available absolutely free. Money is always available - you can spend them anything, and you do not have to give.
The dream get a lot of money without refund lives in each, but if you do not have a rich lonely uncle, this dream is not destined to come true. She also did not come true, but without the inheritance fell from the sky. The benefit of the options to get out of the complex financial situation, a dozen. The main thing is to weigh everything and against your specific situation.
If you know more ways to get money without refund, and urgently write in the comments! Below.
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