emergency cash

Need emergency cash? Knee deep in dept and nowhere to turn? I know the feeling, and I suspect most people have been in a similar situation at some point in their lives. I have assisted people in managing debt over the last few years and have heard stories that would bring the most hardened person to tears.

If you search the internet for personal loans or emergency money, you are likely to find many results but you must be careful. Many loan providers want you to believe they are helping you, but in truth they will charge you a hefty interest rate which can certainly do more harm than good. Look for sites and organizations that are not necessarily in business to make loans, but those that provide information.

Some sites not only offer valuable information but also free money! A good informative site will not sell loans nor should they push you down the path of any given lender. In addition, some sites offer free money grants which can be used to assist with immediate financial needs. You may also consider a debt management service such as the National Foundation for Credit Counseling (nfcc.org). The NFCC offers budget worksheets, calculators and consumer tips. They also offer credit counseling which is great if you don't know where to begin.

Create a simple budget. A budget in its basic form is simply the amount of income vs the expense on a given basis (for example, weekly or monthly). Once you have created a budget, you will have a better understanding of where your money is going. Nobody likes to be in a position to need emergency loans. Unfortunately, unplanned circumstances occur which place us in bad positions. Take comfort in knowing you are not alone and financial help exists.