You’re a little short on cash and you’ve been meaning to pick up extra work. But the usual job leads — data entry, babysitting, telemarketing — sound about as appealing as root canal.

In fact, you might be surprised at the kind of jobs you can get if you put your creativity to work. To get your imagination and job search rolling, we’ve tracked down five great moonlighting gigs:

Deliver new vehicles to dealerships

Manufacturers deliver new cars to dealerships by way of truck. But large specialty vehicles, such as RV’s, vans, school buses, ambulances and limousines are driven to dealerships.

That’s where money-making opportunities abound. In fact, delivering new cars is “the perfect hidden profession,” said Craig Chilton, author of “How to Get Paid $30,000 a Year to Travel Without Selling Anything” and editor of Roadrat.com.

“People drive new vehicles to dealerships every day. We see it, but don’t realize it’s happening,” said Chilton, who was in the business more than a decade and who estimates there are 100,000 drivers today. Half of them work part-time.

Pay runs about 35 cents a mile, plus air transportation home for drivers once deliveries are made. Trip lengths vary from quick 150-mile gigs to cross-country jaunts. You don’t need a commercial driver’s license to be a driver, but some states require a chauffeur’s license, which you can get after taking a simple written test. Your driving record also must be fairly clean; a speeding ticket may be ok, but drunk driving is not, said Chilton.

Be a movie extra

The best way to get your smiling face on the Silver Screen — and earn extra bucks to boot — is to register with a casting agent. Many film producers select extras from an album of headshots. Check out Cenex Casting, which charges extras a $20 photo/electronic image fee or Moviex.com, which charges potential actors $14.99.

You don’t have to be in a union to land a gig. In fact, it’s hard to get into the Screen Actors Guild, but union members do earn more than non-union extras — up to $200 for eight hours of work if they make it into the movie, television show or commercial. Non-union members can pick up about $50 a day.

Walk a dog

Love animals? Dog walkers typically earn $10 to $15 an hour — per pooch, so this is a great way to earn quick cash and get some exercise, too. Of course, it helps if you’re skilled at handling a pack of dogs.

One quick way to gain experience — and potential references — is to volunteer at dog obedience classes, said Dianne Eibner, author of “The Face in the Window: A Guide to Professional Dogwalking.”

“When I started, I offered to take dogs to a trainer because the owners didn’t have the time to do it and they wanted their dogs walked to calm them down. I was able to get experience and I didn’t have to pay for the classes,” Eibner said. She encourages new dog walkers to join the Professional Dog Walkers Association, which posts advice and training tips on its Web site. Membership requires a one-time fee of $20.

Be a personal chef

There’s good reason fast-food is so popular; most people nowadays don’t have time to cook. But not everyone is heading to the local drive-through window.

These days, 72,000 clients now rely on personal chefs for convenient, fresh food, according to the American Personal Chef Association and Institute. Many are double-income families with more disposable income than spare time.

“This is a really popular second career for people who don’t want to go to culinary school,” said Candy Wallace, executive director of APCAI. “We have one gal who’s an opera singer. She cooks three days a week, studies voice two days a week and sings professionally on the weekends.”

In most cases, you work with clients to set a mutually convenient schedule. Personal chef positions are best suited for people whose full-time job offers some degree of flexibility. That includes teachers, real estate agents and freelance writers.

Wallace began her own career by cooking three days a week — and earning $35,000 in her first year. She now leads APCAI seminars nationwide, where personal chefs learn tips on how to get their businesses off the ground.

“It can be hard work,” said Wallace. “But if you’re thrilled at the prospect of fresh ingredients and the tastes and colors of fresh food, this is an absolute joy.

Be a personal organizer or assistant

Are you super organized? Do you have a knack for creating great filing systems or making your home run efficiently? Then why not put your talents up for sale as a professional organizer? You could make $40 to $200 an hour, according to the National Association of Professional Organizers.

“There are lots of ways people get into the business, but most professional organizers are people who have been organized in their lives and have experience organizing others — either at work or in a home environment,” said K.J. McCorry, public relations director of NAPO.

Want to know more about the business? NAPO has a referral program that puts potential organizers in touch with pros who can answer questions about getting started.

If you’d rather be a second pair of hands to someone, then offer your services as a personal assistant. You may be asked to schedule appointments, meet repairmen, pick up cleaning, make travel plans or help organize an event. You can let your skills dictate the kind of services you offer. Check out the American Errand Runners Association online discussion groups for ideas and information.

Earnings potential for personal assistants can be comparable to personal organizers depending on your experience and skill level.

Want more ideas?

Let your imagination run wild. Ask yourself what you enjoy doing. What are you good at? You may end up knitting beautiful sweaters for big bucks or renting out your lakeside home for photography shoots — or, yes — doing a little data entry if that’s what you love.

Source:http://money.cnn.com/2002/03/13/pf/saving/q_fivethings_quickcash/

• Clothing $5,650.00
• Household Goods $11,300.00
• Tools of the Trade $11,300.00
• Farmers $28,300.00
• Motor Vehicle $5,650.00Note: These exemption amounts received a cost of living increase (reviewed every five years) and went into effect on Wednesday December 14, 2005.

Bankruptcy Exemptions for Alberta

• Food required by the debtor and his/her dependants during the next 12 months
• Necessary clothing of the debtor and his/her dependants $4,000
• Household furniture and appliances $4,000
• One motor vehicle $5,000
• Medical and dental aids required by the debtor and his/her dependants
• Where the debtor is a bona fide farmer and whose principal source of  livelihood  is farming 160 acres if the debtor’s principal residence is located on that 160 acres and that the 160 acres is part of the debtor’s farm
• The equity in the debtor’s principal residence, including a mobile home $40,000
• If the debtor is a co-owner of the residence, the amount of the exemption is reduced to an amount that is proportionate to the debtor’s ownership interest
• Personal property (i.e. tools, equipment, books) required by the debtor to earn income from the debtor’s occupation up to a value of $10,000
• Where the debtor’s primary income is from farming operations, personal property required by the debtor for the proper and efficient conduct of the debtor’s farming operations for the next 12 months

Bankruptcy Exemptions for BC

• Equity in a home in Greater Vancouver and Victoria: $12,000.  In the rest of the province: $9,000
• Equity in Household items: $4,000
• Equity in a Vehicle: $5,000
• The vehicle exemption drops to $2,000 if the debtor is behind on child care payments (to facilitate the enforcement of Maintenance Orders)
• Equity in work tools: $10,000
• Equity in essential clothing and medical aids is unlimited

Bankruptcy Exemptions for Saskatchewan

For Non-Farmers

• Household furniture and personal effects $4,500 per person
• Tools of the trade $4,500
• A motor vehicle, if required for employment
• Equity in personal residence $32,000 ($64,000 if jointly owned) to a maximum of $128,000 if held by four parties
• Certain life insurance policies
• RRSPs, RRIFs and DPSPs are exempt from seizureFor Farmers
• Furniture, furnishings and appliances $10,000

For Farmers

• The cash equivalent of produce sufficient to provide food and fuel for heating until the next harvest
• All livestock, farm machinery and equipment, including one car or truck, necessary for the next twelve months operations
• One motor vehicle, if required for business or profession, but not in addition to the one above
• Tools and equipment used by a farmer in his trade or profession $4,500
  Equity in personal residence to a value of $32,000 ($64,000 if jointly owned) to a maximum of $128,000 if held by four parties
• Seed grain equal to two bushels per acre of land under cultivation
• RRSPs, RRIFs and DPSPs are exempt from seizure
• Certain life insurance policies
• Cash equivalent of crop equal to unpaid harvesting costs
• Living expenses to next harvest
• Necessary costs of farming until next harvest

Bankruptcy Exemptions for Manitoba

• Furniture, household furnishings and appliances $4,500
• One motor vehicle, if necessary for work or transportation to and from work, $3,000 in value
• Actual residence of the bankrupt, equity of $1,500 each if in  joint tenancy, or $2,500 if not in joint tenancy
• Tools, implements, professional books and other necessaries  not exceeding a total value of $7,500 used in practice of  trade, occupation or profession
• Necessary and ordinary clothing of the debtor and family
• Health aids, including wheelchair, air conditioner, elevator, hearing aid, eye glasses, prosthetic or orthopaedic equipment, necessary to debtor or family
• Locked-in pension plans
• Certain life insurance policies
• Food and fuel necessary to family for period of six months or cash equivalent.
• If debtor is a farmer animals necessary for farming operation for 12 months
• Farm machinery, dairy utensils and farm  equipment necessary for ensuing 12 months
• One motor vehicle if required for purposes of agricultural operations
• Any 160 acres of farm land upon which the debtor or his family resides, or which he cultivates or uses for grazing or other purposes, as well as all the buildings thereon
• Seed sufficient to seed all land of debtor under cultivation

Bankruptcy Exemptions for Quebec

• The movable property which furnishes his main residence, used by and necessary for the life of the household  $6,000
• Food, fuel, linens and clothing necessary for the life of the household
• Instruments of work needed for the personal exercise of his professional activity
• Family papers and portraits, medals and other decorations
• Property declared by a donor or a testament to be exempt from seizure except in certain cases
• Judicially awarded support and sums given or bequeathed as support
• Benefits payable under a supplemental pension plan to which an employer contributes on behalf of his employees, other amounts declared unseizable by an Act governing such plans and contributions paid or to be paid into such plans
• Periodic disability benefits and expense reimbursements under a contract of accident and sickness insurance
• Property of a person that he requires to compensate for a handicap
• A certain portion of salaries and wages based on the number of dependants
• Nevertheless, the property referred to in first and third items above may be seized and sold by a creditor holding a hypothec thereonBankruptcy

Bankruptcy Exemptions for Nova Scotia

• Necessary wearing apparel, household furnishings and furniture
• Necessary fuel and food
• Necessary grain, seeds, cattle, hogs, fowl, sheep and other livestock
• Necessary medical and health aids
• Farm equipment, fishing nets, tools and implements used in debtor’s chief occupation $1,000
• Household goods $5,000
• Motor vehicle $3,000
• Motor vehicle if required for work or business $6,500

Bankruptcy Exemptions for New Brunswick

• Furniture, household furnishings and appliances used by the debtor or a dependent $5,000
• Food, clothing and fuel necessary for the debtor and his family
• Two horses and sets of harness, two cows, ten sheep, two  hogs and twenty fowl, and food for six months
• Necessary tools, equipment and books $6,500
• Necessary seed grain and potatoes required for planting purposes to the following quantities: forty bushels of oats, ten bushels of barley, ten bushels of buckwheat, ten bushels of wheat and thirty-five barrels of potatoes
• One motor vehicle $6,500
• Necessary medical and health aids
• Pets belonging to the debtor
• Pension plans

Bankruptcy Exemptions for Prince Edward Island

• Necessary and ordinary clothing of the debtor and his family
• Motor Vehical $3,000
• Household furniture, utensils, equipment, food and fuel that are contained in and form part of the permanent home of the debtor $2,000
• RRSPs are exempt (no limit) provided they have a defined beneficiary which is a specific member of direct family
• In the case of a debtor other than a farmer: tools, instruments and other chattels ordinarily used by the debtor in his business, trade or calling $2,000
• In the case of a debtor who is a farmer: Livestock, fowl, agricultural machinery and equipment ordinarily used by the debtor in his farm operation  $5,000
  Sufficient seed to seed all his land under cultivation not exceeding 100 acres

Bankruptcy Exemptions for Newfoundland and Labrador

• Food required by debtor and dependants during the next 12 months
• Medical and dental aids required by debtor and dependants
• Domesticated animals which are kept as pets and not used for business purpose
• Fuel or heating as a necessity for the debtor and his or her dependants
• Clothing of the debtor and his or her dependants $4,000
• Appliances and household furnishings (which are defined as washing machine, clothes dryer, “reasonably necessary” bedroom suites and bedding, oven and stove top burners,  “necessary” dishes and kitchen utensils, and “necessary” strollers, cribs and highchairs) $4,000
• Motor vehicle of the debtor $2,000
• Items of a sentimental value to the debtor $500
• The debtor’s equity in his or her principal residence $10,000
• Personal property used by and necessary for debtor to earn income from occupation, trade, business or calling $10,000

There are many questions when it comes to payday loans. Below are answers to help you pass the payday loan test.

1. No one under the age of 18 is eligible for a payday loan.
2. You must be a resident of the province from which you want to apply a loan for.
3. You must be employed. Self employed individuals are normally not qualified for a loan.
4. You must be paid by direct deposit.
5. You must have a minimum take home income of $1,334/month (after taxes).
6. Each province has different rates. See Provincial Rates here.
7. Payday loans range from $100 – $1500.
8. The full amount of the loan, plus fees, are to be paid on your next payday.
9. Payments are automatically debited from your account on the due date.
10. You can issue out another loan on the same day your current loan is repaid.

What Is Title Loan?

These loans are typically short-term, and tend to carry higher interest rates than other sources of credit. These loans have higher interest rates than other sources of credit due to the fact that the lender typically does not check credit and that the only consideration for the loan is the value and condition of the vehicle.

Most title loans can be acquired quickly on loan amounts as little as $100. Most other financial institutions will not loan under $1000 to someone without any credit as they deem these not profitable and too risky. In addition to verifying the borrower’s collateral, many lenders verify that the borrower is employed or has some other source of regular income. The lenders do not generally consider the borrower’s credit score.

The definition itself is almost a mirror image to a payday loan. But the one difference between the two is that a payday loan allows you to borrow without any collateral. A title loan requires you to provide your car title as collateral. The problem is that not everyone owns a vehicle, which makes it impossible for non-car owners to get a title loan. A payday loan on the other hand, is more trusting, and can serve non-car owners and car owners equally.