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Break pay check to pay cycle

Waiting around for payday isn’t the most pleasant experience, especially when you’re strapped for cash.

You’ve already put 40 hours in last week — plus some overtime. Why can’t you go ahead and get paid? Why wait another week? While you’re waiting without pay, you might risk late payments, late fees, overdraft fees and high credit card interest rates. And let’s pray there’s not an emergency.

So you don’t have a ton of options when you’re stuck in this paycheck-to-paycheck cycle. But you’re not totally out of luck.

A free app called Earnin allows you to get access to your paycheck anytime you want — without waiting for payday.

How to Get Paid Before Payday (Without a Payday Loan)

When you’re frantic for funds and have a week before direct deposit hits, you’ve got a few options that might help you get through.

In desperation, many Americans take out a payday loan — about 12 million of us in 2010, according to the Pew Charitable Trust. However, that’s a quick fix, and those high-interest loans leave many stuck in a downward spiral.

Another option is to find ways to make extra money, but that proves difficult if you’re already overworked — at home and work.

A better option is Earnin, which will pay you for the hours you’ve worked that day — not at the end of a paycheck cycle. Say you clocked five hours today. Whether you’re an hourly, contract or salaried worker, you can log into Earnin and get paid for those five hours.

Because Earnin doesn’t want you to overdraft, you can take out up to $100 per day or $500 per pay period.

The service doesn’t charge a fee — or crippling interest rates. Earnin simply asks you to pay what you think is fair.

Earnin calculates in your taxes and deductions ahead of time. So if you make, say, $10 an hour, your pay through Earnin won’t be exactly $50 for that five-hour shift, but a bit lower. That way, once payday rolls around, it will have already accounted for those deductions so you’re not left in the red.

Earnin App: Make Every Day Payday

Caution: We don’t recommend using Earnin as a crutch. Think of it more as a temporary brace to help you to get to next month and position yourself to get ahead.

With that said, it’s proved helpful to thousands of folks from big-name companies including Apple, Bank of America, Starbucks, Target and Whole Foods.

To use Earnin, you’ll need to meet a few requirements. You should:

• Receive direct deposits from your employer into your checking account.
• Have a regular pay schedule (weekly, bi-weekly, semi-monthly, monthly).
• Work at a fixed location or use an online timekeeping system at work. This helps Earnin confirm that you are, indeed, working.

If you qualify, download the app, available for iOS and Android.

Then, you’ll create a username and password, as well as a touch ID and a four-digit PIN.

Because you’re giving Earnin access to a lot of personal information, note the app has strict security measures, like 256-bit encryption. It’s the same level of security — if not more secure than — what your online bank uses.

Once you finish signing up, it’ll take one to two days for Earnin to confirm all your information, then you’re good to go.

So if you’re in a crunch this month and want to go ahead and get paid for the hours you’ve already put in, Earnin can be the perfect temporary fix

Easy Ways to Earn Extra Money

Help Someone With Spring Cleaning

TaskRabbit helps you connect with people in your area who need help getting things done — anything from packing a moving truck to calling customer service and tolerating the hold music.

Keep an eye out for virtual tasks, too. These are mostly centered around personal assistance, administrative work or research help. You can do those an earn money without even walking out your door.

Rest assured you won’t be getting paid pennies to solve someone’s Excel woes

Find a Flexible Work-From-Home Job

It’s the freakin’ weekend, so you know what that means… you don’t have to see the light of day for the next 48 hours (if you don’t want).

If you’re looking for a flexible work-from-home job, try searching on ZipRecruiter. When you click over, it’ll recognize your location and filter the results — because, yes, even work-from-home jobs have location restrictions.

Find something that’ll fit into your weekend schedule by filtering your results to include part-time and/or contract work. ZipRecruiter will even let you know if you qualify for the position based on your credentials.

(Psst… There’s also an app for that. Download the ZipRecruiter app for job updates.)

 Declutter Your World

It’s time to CLEEEAANNNNN! Start taking a good hard look at your belongings. What do you actually need? Sort through everything — then sell it all for money.

• Clothes: If you have clothes you haven’t worn in the last year, why do you hang onto them? Try selling them to folks in your area through an online marketplace like Letgo. It takes about five minute to list an item.
• Technology: Begin with your overcrowded entertainment center, likely full of outdated music and movies. Consider selling these items to Decluttr. It’ll buy your old CDs, DVDs, Blu-rays, video games and even cell phones and tablets. Shipping is free, and Decluttr pays you within 24 hours of retrieval.
• Books: Have any old college textbooks? Through Amazon Trade-In, you can trade in your used textbooks, plus other items, like electronics, in exchange for an Amazon gift card.
• Gift cards: While you’re digging out those stiff winter coats, check the pockets. You might come across a gift card or two in there. If you do, sell it for rent money through a gift-card exchange site like Raise.

Hopefully this won’t take more than a weekend or two. The good news, though? Decluttering just might make room for that desk, which will be perfect when you secure a work-from-home gig.

   Become a Secret Shopper (or Worshipper)

Work, work work. That’s all you do.

OK, if that’s the case, then take a break! You can even get paid to take a break. How? By becoming a secret shopper.

Let us explain: Companies hire mystery shoppers to test out their products and services. You go undercover and score your experience. Mystery shopping could include test-driving cars, going to the movies or — yup! — drinking beer.

Penny Hoarder Tyler Omoth tested out mystery-shopping platform Secret Hopper. Basically, it sends you to local breweries and bars. You’ll order a beer, a flight, whatever it asks, and, well, just drink it.

Omoth found the gig didn’t pay super well — but it did cover his tab.

Then, when Sunday swings around, become a mystery worshipper.

  Hang out in Someone Else’s House

Sure, it’s nice to hang out in your own home over the weekend, but sometimes you crave a getaway — and maybe you don’t have the time, money or energy to plan a vacation.

You could plan a staycation instead, and escape to someone else’s house by becoming a house sitter.

You can find house-sitting jobs across the world — if you know where to look. Check out these five house-sitting websites.

Deliver Food

Ahhh, the sweet smell of takeout stinking up your car.

OK, it might not be the most appealing thing in the world — you might want to crack a few windows, depending on the type of cuisine you’re delivering — but Uber Eats offers flexible food-delivery opportunities.

Here are more details:

• Locations: Uber Eats is all over the U.S. — and the world, really. For a full list, go to its location page.
• Pay: Drivers are paid a pick-up fee, for the distance traveled and a drop-off fee. Uber takes a service fee. Delivery partners can cash out up to five times a day with instant pay.
• Schedule: Flexible.
• Requirements include (may vary by location): You must…
  • Be at least 19 years old if delivering by car.
  • Deliver via car (must be a 1997 or newer with at least two doors), bike, scooter or foot depending on your area.
  • Pass a background check.
  • Have a valid driver’s license and insurance (if you deliver by car or scooter).

For all the information you need, head over to the Uber Eats sign-up page.

 Stay Put and Rent Your Car out

If you’re the type who’d rather just stay put on the weekends, renting your car out could be a viable option.

With the Getaround app, you can safely rent out your car to people in your community and neighborhood. The company insures your car for each trip, offers 24/7 roadside assistance and screens drivers for a safe driving record.

That’s more assurance than you get when your teenager gets behind the wheel…

Here’s how it works:

1. Sign up with your Facebook account to rent out your car here.
2. Set your own rates and availability.
3. You’ll get a notification when someone books your car.
4. Your car will be equipped with a Getaround Connect™, so renters will be able to locate, unlock and lock your car from their mobile phone during the trip period. No need to meet in person to exchange keys.

Like many side gigs that involve your car, some car owners worry about the costs for things like gas and wear and tear on the vehicle. With Getaround, renters are responsible for refilling the fuel used on the trip.

We also checked in with the company to see what it’s doing to address car owners’ concerns, and the CEO Sam Zaid told us, “Fortunately, customer feedback is one of the best ways we can learn and grow. We take feedback seriously and prioritize product updates based on our conversations with owners and renters.”

So don’t be afraid to share your experience to make this an even better platform for car owners and renters.