Put all your villagers on herbs, and the rest on maple for the most efficient money. The reason this is most effective is not only will the herbs give you mass amounts of high-tier herbs such as ranarr and avantoe, they also give you the seeds. With maples, the logs are just icing on the cake as what you are really looking for is the bird's nest. If you open them, you are looking for high levelled tree seeds like magic and yew. Even if you don't get lucky with the nests, crushing them makes them worth 8 thousand a piece due to their use in Saradomin's Brews.
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Lastly, if you have a few pieces of furniture you no longer want, you can list them on Craigslist. If it’s a desirable item, it’s very likely that someone will come pick it up the same day you list it and give you cash for it. Make sure to take pictures of your item for your ad in a bright, sunny room. Stand back far from the item and zoom in. This is better than trying to get a detail shot. You don’t need a fancy camera to sell items quickly. You just need a simple camera and a lot of sunlight to get the job done.
Use your credit card’s cash advance feature. Some credit cards will allow you to withdraw a certain amount of cash by using it at an ATM. This can help you come up with cash in a hurry. However, the interest rates on cash advances are usually much higher than the credit card’s usual interest rate, meaning that you will eventually have to pay more.