Money - Quick Fixes To Help You Recover From A Money Shortage Emergency
"Herein lies the paradox: If you want more of whatever it is you desire, you have to first prove to the universe that you are capable of having it by developing a consciousness that affirms there is no shortage of it. The only way to do this is by creating a vacuum or space for it to be received, and the only way you can create a space for it to be received is by letting go of what you do have, trusting that the universe knows what it is doing. That's the law of circulation in action."
Emergencies Are Part Of Life
Emergencies are a part of life and a money shortage is an emergency that can happen to anyone at any time.
It is not uncommon for money shortage emergencies to occur following a job loss, sickness, robbery, accident etc.
When you are desperate to raise emergency funds, it usually doesn't take very long for you to realize who can help you and who can't.
Sometimes, those you thought might be able to help might not be able to because they are going through their own hurdles.
This is why it is important for you to know some ways in which you can be able to raise emergency funds incase you ever find yourself in a tight spot.
Here are some ways in which you can be able to acquire emergency funds in case you run out of money.
1. Call Your Community Emergency Helpline
If you are living in the USA, call 211 to find out what local resources they might have available in your zip code.
If you live in another country, use and call the local community service to see how they might be able to help you.
211 often has information on housing, vouchers, food and other resources you might be able to get.
2. Social Services
Call or visit the social services organization in your area to see what help they might be able to offer.
Often times, social services might be able to help with food assistance, cash aid, jobs, rental assistance, medical assistance etc.
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3. Contact your credit card issuers
The first thing you want to do is prioritize getting back on track very quickly. If that means letting your credit card bill go for a bit, so be it.
As soon as you realize that you have a money emergency, contact your credit card issuers and request reduced interest rates and payments.
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4. Check With Non-profit organizations
Search online and email or call up Non-profits, both local and national to find out if any of them might have funds and resources for those in need.
Many non-profit organizations provide services like food, fuel, shelter, rental assistance etc to those in need, so try and check them out.
5. Request A Payment Extension On Your Car Loan
If you own a car, then for your car payment, call the creditor and request a payment extension.
Perhaps you hate payment extensions, because they require a fee and you still have to make the payment at the end of the contract.
In this case, a payment extension can give you a little breathing room as it helps you to recover during your money emergency.
Expect that you will likely have to pay a fee (usually about 1/3 the car payment amount) for the extension.
However, freeing up the money you need today is your first and only goal at this point.
6. Request A Payment Extension On Your Mortgage
Check to see if your mortgage holder will accept to give you a mortgage extension for a nominal fee. Do this immediately as it will save you a lot.
7. Host A Yard Sale
Another fix, is to host a quick yard sale. You don't have too much time for planning, so do a quick survey of your personal belongings.
Come up with clothes that no longer fit, but are in good condition, knick-knacks, dishes, and books as well as stuff you bought that you no longer use.
Throw all these goods quickly together, and then go ahead to put up notices regarding the sale.
You can place the yard sale notices at laundry mats and grocery stores around town.
Don't forget to place a yard sale sign at the end of your driveway too. This way, you can make some quick money with very little time and effort.
8. Look For Radio Swap Shows
If you have a larger item to sell, call into local radio stations to see if they have a call in swap show on the weekends. This is a very popular way to quickly convert gently used and more expensive items for fast cash.
9. Ask Your Utility Company To Set You Up On A Budget Plan
Another quick option can be employed when trying to manage your utility and telephone bills.
If you are already on a budget plan, ask that the current bill (plus any previous balance you owe) be set up for a budget plan.
Expect to pay a down payment. This way, all future bills (while on the back payment budget plan) will be kept current.
The good thing about this is that it is usually interest free, and can give you some much-needed breathing space for a month.
You must be sure to maintain your regular utility payments and budget payments in the coming month though.
10. Seek Help From Your Religious Organization
Check with your religious organization regarding emergency help.
Local religious organizations can be one of the best places to find out what is available in the community to help those in need, or in times of an emergency.
11. Getting Fast Cash Through Borrowing
If you are absolutely, positively, in a bind and you have exhausted all of the above, then consider borrowing. First, ask your family, then your local bank.
As a last resort, you may want to consider what is known as a Payday Loan. These types of borrowing stores can be useful when all else fails.
"Continuing to tell stories of shortage only continues to contradict your desire for abundance, and you cannot have it both ways: You cannot focus upon unwanted and receive wanted. You cannot focus upon stories about money that make you feel uncomfortable and allow into your experience what makes you feel comfortable. A different story will bring different results: My thoughts are the basis for the attraction of all things that I consider to be good, which includes enough money, and health, for my comfort and joy."