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Wednesday, October 4, 2017

Strapped For Cash? Here Are Your Options


Everyone goes through financial difficulties, and unfortunately, it can be very hard to get by if you haven’t got much money. You may feel like you’re on your own and have nowhere to turn when you’re strapped for cash, but that simply isn’t the case. There are several ways for you to get some money to get you by until payday. Here are just a few for you to consider:

1. Sell your Belongings
I’m not talking about selling anything big or life-changing here, but you have anything lying around that you don’t really use anymore, then why not try to sell it on websites like eBay, Depop, or even Facebook. Things like DVDs that you don’t watch or a football table that you don’t use won’t make you millions, but they can be sold quickly, for enough cash to get you through the next few days. This is also a great way to declutter your home.

2. Ask Friends & Family
If you’re particularly independent, you might be embarrassed to ask for help when times get tough financially. However, cutting yourself off from those who care about you is the last thing that you want to do. There is no harm in asking for a small loan until you next get paid. If they have the money, and really care about you, they shouldn’t have any problem with lending you the cash.

3. Use Your Savings
Of course, you may not have any savings, but if you do, this is the perfect excuse to dip into them. You may have been putting money aside to go on holiday next year, but that will be no use to you if you can’t pay your bills or buy food this month. If you want to, you can set a budget so that you spend as little of your savings as possible. There is some advice on how to do that at investopedia.com.

4. Apply For A Loan
There are a lot of misconceptions about short-term loans, but they are a great source of money, as long as you can find one with a low-interest rate. There are even loans available for people with bad credit, so you’ll be fine if you happen to have missed a few payments on your phone bill or have been late paying your rent once or twice. You can visit personalloan.co to find out how to get a relatively cheap loan.

5.  Visit A Food Bank
If you find that you’re really struggling, and haven’t got any food at all, it really would be in your best interests to visit a food bank. You can usually get vouchers for your local food bank from your doctor or a member of the local authorities. This voucher can then be exchanged for a few days worth of food, as well as cleaning products and toiletries.

Money is what makes the world go around, so when you have none, it can feel like your world is ending. But don’t give up, there is always someone who can help you when times are tough.

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