If you desperately need money then it can be difficult knowing where to find expert help, so here are some options to consider. A possible place is to request it from family and/or friends but this is not necessarily an option for everyone due to pride or not wanting to tell people you need money. Also they may not have capital to lend.

A possibility may be a credit card or even a store card. These should be a relatively short term option as the costs tend to be extremely high. Even better if you can find a interest free credit card.

There are many types of loan which may be a solution if you need money. A personal loan which is unsecured would mean that you are not risking the house you live in but interest could be extra high. A pay day loan could also be an option but it is only meant for short term lending and interest can be extortionate they are also not highly recommended and controversial. You could consider extending your current borrowing to cover the expense for which you need money but you will have to pay back bigger amounts each month than you are used to. It may be possible to get an auto loan using your vehicle as collateral as an alternative.

If you have set up a Home Equity Line of Credit then you could use this, alternatively you could use a loan that consolidates your debts. However, if you cannot make the monthly payments you will lose your house and very few situations where you need money justify the stress of putting your family home at risk of loss.

You could consider using your savings or investments, selling valuable goods or assets, pawning things like jewelery or trying to get an advance on your pay check from work. You may also be able to work more hours, get a second job, or reduce your outgoings to help your future finances. These may not be options that you have but if you do, it is worth considering whether they will help to eliminate that feeling that you need money, but they may not be good long term solutions. There are also the options of trying a housing agency or charity or asking at your favorite church if they can help out persons who desperately need monetary help. Lastly, you may have policies that you can cash in such as shares, life assurance, a pension fund or annuities. Now these last things are something that you would need to think hard about, as surrendering this sort of asset could cost you a lot in the future and you need to decide if you need money that much to make it worth while. Do some mathematical calculations and work out which options are best for your finances. Check out Need Money Blog for additional financial tips!