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Pay Off a Cash Advance with a Seasonal Job

nylon display in retail store

 

You can do anything for a few weeks, right? You might even have fun selling in a fast-paced department store. You’ll certainly get some deals. And if the extra income helps you pay off your cash advance, all the better! More, paying your cash advance off early saves significant money. Keep all the income from your paycheck and use only your side-hustle money to pay off your cash advance.

This year, the National Retail Federation estimates that their retail clients will hire nearly 700,000 seasonal or temporary workers. You can get work anywhere, including “big box” stores, local dollar shops, department stores and warehouses. You may even get a gig singing holiday wishes!

Perks of Seasonal Jobs

Seasonal retail jobs can offer some surprising benefits. Temporary employees can get the same protections and benefits as part-time or full-time workers; the U.S. Department of Labor mandates it. This includes being paid overtime and receiving at least the state’s minimum wage.

Seasonal work can also be more stable than it first appears. Your first job sets you up to come back for that same job the next year. You may even get an offer to stay on permanently, even if it’s just a one-day or two-evening per week shift. Extra money, particularly early in your career, sets you up to meet long-term financial goals.

Holiday seasonal work is not just about cash however. Retail workers typically get 20% to 30% discounts on store items they couldn’t afford otherwise. In some cases, a retail store will pay to fly you to their location and put you up in a hotel. It is a zero-employment economy after all. Stores are getting desperate for workers who will push their merchandise during the busiest time of the year. The National Retail Federation tells us that retailers make between 25% and 30% of their annual revenues just during November and December. If they’re pushed to their labor limits, they will bend over backwards to get your behind a cash register.

Working seasonal jobs can also be a way to “try out” different brands and locations to explore what you want. Applicants without experience have a much better chance of getting a job during the holiday rush than other times of the year. Build your resume while exploring your work options.

Seasonal Job Limitations

While the opportunity for extra cash and exploration seem irresistible, these benefits may not cut it for some. Keep in mind that you may be working while friends and relatives are getting together to celebrate. You will miss out. Consider whether you will be willing to work on Christmas Eve, Hanukkah, or other holidays. Also, saying you can’t make a certain shift isn’t going to impress a boss desperate to fill shifts.

Working during cold and flu season may be a risk as well. If you are sick, you don’t get paid time off or sick days. You just miss out on that day’s pay. Finally, health insurance or retirement plans may be limited.

Those currently getting unemployment benefits may have them suspended or limited if they take on seasonal work. Check with your state’s labor expert to get reliable answers.

Non-Holiday Seasonal Jobs

Those who find themselves thriving in the seasonal workforce can extend their adventures. In January and early February, temporary workforces are looking for people to staff super-bowl and Daytona 500 related events. By March, they need Easter bunnies to keeps squirmy kids engaged in high-end restaurants at Easter brunch. In the summer, it’s not hard to find a tour guide job in most major cities. By Halloween, why not put on the face paint and stalk haunted house visitors, moaning with arms stiff in front of you? It could be the role you were made for!

How to Find Your Pick of Seasonal Jobs

Today, the first place we all go for good information is the internet. Those exploring to discover their options can start broad by first going to:

  • Monster and Indeed which list thousands of seasonal jobs. Search in your area to limit results.
  • com: founder Bill Berg started this site after finding his dream job in Yellowstone National Park. Search admin, educational, jobs with fish, ranch jobs or even jobs specifically for teenagers.
  • com brands itself as a “working-travel” website. Search summer jobs, ski jobs, gap year jobs, childcare, hospitality and sports, water and outdoor positions.

Already have a dream retailer in mind? When you see how many workers your favorites need during holiday 2018, your confidence will soar. We’ve linked each retailer with its job listings here:

Amazon Seasonal Jobs –  adding 100,000, all starting at a rate of $15 per hour.

Kohl’s Seasonal Jobs – adding 90,000 in 1,100 stores, distribution and fulfillment centers.

Target Seasonal Jobs – adding 120,000, all of whom will receive 10% discounts and opportunities to earn extra pay on Thanksgiving and Christmas days.

UPS Seasonal Jobs –  adding 100,000 full- and part-time seasonal workers from November through January 2019. 35% of company’s seasonal workers get permanent jobs after the holidays.

Macy’s Seasonal Jobs – adding 80,000 seasonal workers. Employees also typically get 20% off on top of sales and discounts.

FedEx Seasonal Jobs – Adding 55,000.

J.C. Penney – adding 39,000.

woman working in retail

BBB A+ Rated Cash Advances for Everybody!

Emergency cash needs befall nearly every American. First Financial provides the quick cash advance and payday loan offers so that you can:

  • Avoid bounced checks and credit dings
  • Keep cars, computers and other work-related equipment running that keeps your income consistent.
  • Avoid late fees.
  • Avoid pawning the meaningful family jewelry and heirlooms that pawn shops pay cents on the dollar for.

First Financial is America’s leading source of short-term cash advance – payday loan offers for everyone, even those with low and bad credit scores. We put you first by letting you arrange the cash transfer from home through easy online transfers. Once you’ve completed the process by filling out the final page of the form, your cash is deposited in your bank by the next business day. Apply for a convenient cash advance today!

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