We’ve all gone through tough times and it’s impossible to predict the next time you’re going through financial hardship. While your finances may be in perfect order now, you could find yourself on holiday and spend all your money at once – or you may have to pay up for something sudden and unexpected.

No matter what happens, though, the best solution is to come prepared. It’s going to save you from that dreaded feeling of panic as you realise that you won’t be able to make it to the end of the month, and you’ll feel way more comfortable in general.

Here is a handful of tried-and-tested tips to help you out when you’re in a pinch. That way, you’ll be able to take care of yourself no matter what.

#1 Find a few side-hustles

The great thing about technology these days is that you can actually make money whenever you feel like it. You just need to know where to look – and you have to have a few contacts up your sleeve.

Sure, you still have your actual job and you shouldn’t necessarily quit this to go all out with your side-hustle; this is all about having access to quick money without having to borrow it.

Think about the kind of skills you have that may be useful online, and hit the search engine to check out one of the trillion sites that offer a platform for freelancers and companies. Web design, programming, copywriting, SEO, and social media marketing – all of these are in high demand online.

The good news with these kinds of online jobs is, of course, that you can do them anywhere. Complete a few projects on your commute back home and boost your income significantly – it’s definitely going to come in handy when you really need it.

#2 Get a payday loan

If you’re not able to wait for that paycheck from your full-time job or your side-hustles, it’s time to dive a bit deeper into your options. A payday loan is a great idea when you really need it as you’re able to borrow a small amount on a very short notice.

It will come at a significant interest rate, though, so keep in mind that this option is suitable for desperate times. Read more about it and go to this page if you’re interested; it’s a great option to have handy in case you don’t have access to your credit card at the moment.

Before you apply for a short-term loan, remember that you have to pay it on time. If you should happen to be late, you’re going to have to pay way more than you originally thought – and your credit score is certainly going to suffer. Borrow money responsibly and use it as a lifeguard in case you have no other option.

#3 Sell some of your stuff

You don’t have to be into the minimalist lifestyle just to sell a bunch of your stuff. It does feel great to get rid of some things, though, and you can actually enjoy the feeling of decluttering your life while also making money; it’s therapy that you’re being paid for.

If you need money soon but not right now, this option is perfect for you. Simply check out one of the dozen platforms that offer a marketplace for buyers and sellers, check out what other sellers tend to price their items at (or just slice the amount you paid for it in half), take a few pictures, and wait for the emails to roll in.

Keep in mind that this might take a bit of time, depending on how lucky you are. Sometimes you’ll be approached by potential buyers right away – other times, you’re going to have to wait.

Use this as a way to plan for the month ahead if you see that you might struggle financially. That way, you’re taking care of yourself while also clearing up around the house. Electronics tend to sell a bit quicker, by the way, as well as any nostalgia-items you might have laying around. Check out the attic, in other words, and you should be good to go.

#4 Start a website

This is another tip that requires a certain amount of planning. You’re not going to make money from a website right away, that’s for sure – and you might even have to wait a few months before you start to make an actual income.

Yet, this is a great way to create a passive stream of money for the future, and particularly if you’ve been frustrated about a lack of money in the past. The website can be about anything you think you’ll be able to make money from; make it a DIY blog, a photography website, fill it with your cooking recipes, etc – you have a lot of options.

Have a look at this site if you’re not sure where to begin and keep in mind that this is something that will take a bit of time. The sooner you get started, the sooner you can enjoy the extra income, in other words.

#5 Get a part-time job

Want to significantly boost your income? Get a real part-time job and do something you love. The great thing about this option is that you get to enjoy the feeling of doing something that’s kind of relaxed and you don’t have to worry about working towards that promotion – you’re really just doing this for the money, after all.

If you’ve always loved the idea of working in a coffee shop, for example, get a job where you can work a few hours per week during the evening and maybe a day or two on the weekend.

That way, you have a flexible part-time job where you can smell the coffee and chit chat with others while actually making money. Boosting your income is actually not that hard as long as you’re willing to put in a little bit of work first.