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the falls? When this happens to most of us it's a matter of needing the funds yesterday or last week not next month. Here are some of the most obvious sources for a short-term influx of cash. They are listed in no particular order as each of your situations will differ as do the possible temporary solutions.

Ask family and friends. While your family members and friends may be experiencing their own problems they may be able to come up with $50 each. Added together that may help you through the immediate future. It's easier to ask somebody you love to part with $50 than $300.

Part-time or seasonal work. Consider working at the Mall during the holiday season or typing during your off-hours for a local attorney. What about the seasonal stores (Christmas, Halloween, etc.), small motels or dollar store? You don't have to commit to every day or night or even each weekend. The extra money will really help you out of a pinch.

Personal loan. This might be a bit more difficult to obtain especially if your family has been struggling and your credit is somewhat tarnished. Swallow your pride and ask where you bank. You aren't the only person to have these things happen and the bank may have a product that would ease the pain of recovery.

Payday Advance: There are tons of companies out there that are ready to loan you as much as $1,500 overnight. This might be your best option but, keep in mind the finance charges can be high if you stretch the loan over time. For a short-term quick fix this is an attractive option, especially if you will have the funds to repay within 30 days.

I have personally experienced each of the methods listed to obtain cash - the quickest and least embarassing by far, was completing the simple application for a payday loan.

One of the best habits you can develop when you are young is to save part of every paycheck or allowance. Have a simple savings account and make deposits to it regularly. There is almost nothing that will give you such peace of mind as knowing there is a cushion to fall back on when the unexpected occur.

Learn more about this author, Joanne Robbins.
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