There are always things that we need money for, whether it be something for our own pleasure, or something that is required from us legally. It can be very difficult at times, because we don’t always have the amount that we want or need, and that restricts us from doing certain things. Money provides you with the financial freedom to do whatever you want to do, without having to constantly worry about whether you’re making the right decision for your bank account or not. Imagine living a life where you don’t have to feel stressed all the time. You can finally live, rather than just survive.

Here’s how to do just that.

Take out a loan responsibly.

The key word here is responsibly. A lot of people fall into the trap of taking out multiple different loans because essentially it’s very easy to do for quick money, and then problems come with not being able to pay it back on time – if it all. But this only happens when you’re careless, so as long as you have your head screwed onto your shoulders, there’s no reason it can’t work for you. Every type of loan varies on every individual – a loan that your friend took out may not be suitable for you, so always do the necessary research before you dive in. Hard money lenders, for example, are great for if you’re looking to borrow money for a mortgage on a house. So figure out what’s best for you, and don’t forget to read the interest rates.

Start putting savings away.

This is more of a time-consuming way of getting money, but it’s all worthwhile in the end when you’ve got a nice big number to spend however you please. Regardless of the job that you have, once your bills have been paid out, take a percentage out of your earnings, and put it directly into your savings account. If you haven’t already got one – get one. The trick is to set up a direct debit so that the money is taken out automatically before you have any time to even realise it’s gone. Then forget about it. Forget your savings account even exists. Then when the day comes where you need some money, whether it be for an emergency or a treat for yourself like a well earned holiday abroad – have a look in your account and see how much is waiting there patiently for you.

Those are the most simple, yet most effective ways of getting more money. One is quick and easy that can come with risks, and the other takes some time but you don’t have to worry about paying anything back. So think about what you find works best for you, and then go for it. If you still aren’t sure, get yourself a financial adviser and speak to them about different options that are available to you that you may not have thought about before.