How many of you have needed to quickly come up with some emergency cash at some point in your lives? I know that the majority of us have had to do it at least once and this is especially true for young people who are just starting out.

There could be a medical emergency in your family, a pet becomes gravely ill or injured, your car break’s down, your refrigerator goes out, a water leak sprouts from your ceiling or your furnace quits putting out heat. A whole host of things could go wrong and they usually do when you’re not prepared for them.

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Looking to raise some emergency cash quick? Here’s a few tips that can help!

1. Look around your house to see what you can sell. If you need the money fast, select one high-value item and sell it. You can list it online or pass the word around to family, friends & co-workers that you have XYZ for sale. You can also try placing an ad in your local newspaper or list the item for sale on the internet.

2. Sell your services! If you need money, offer to babysit for a friend or family member, offer to clean someone’s home, to wash their car, walk their dog, do handyman chores around the house, yard work, etc. These are all great ways to come up with extra cash. Look at it as bartering for your services.

3. If you’re employed, talk to your boss to see if you can get a payday advance. If you work for a small company or a mom & pop type of shop, they’re more apt to work with you on a payday advance. This is NOT a loan, it’s basically getting your paycheck released a little early.

4. If you need money for a “true” medical, dental, food or housing emergency, talk to your pastor at church. A lot of churches will help their parishioners in a time of genuine, emergency need.

5. Here’s an option if you’re comfortable in asking friends, family members or co-workers for a temporary loan. If you plan on doing this…we recommend that you offer them a piece of collateral (an item) to hold onto until you fully repay the debt.

6. While we don’t really recommend this last option, we are listing it and it should be used as a last resort. If worse comes to worse…you can try to apply for a quick bank loan from your financial institution or take a cash-advance loan on a major credit card. This should be your last option to consider.

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