Co-founder of Moonlight here - thanks for the mention. It costs nothing to contractors, and you set your own rate when you want to work on projects. Definitely recommend that OP signs up.
Fun story: The contractor who wrote the code for the Moonlight blog was in a similar position as OP. Hit a deer with his car, and insurance didn't cover it. Needed extra money quickly. He signed up for Moonlight and did a project in a weekend to pay for the damage.