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by Sid J. Carino

Times are pretty tough for a lot of people. Bills are piling up and the phone rings almost non-stop with people wanting money from you. So what do you do? Here are some ideas:

1. Get a part time job. If you the time and can do it, get a part time job. Even if it’s for 5 or 8 hours, it can help. Working at a restaurant can often get you a free meal, which also helps with expenses. But getting an extra paycheck for $150 or more can really help.
2. Ask friends or family for money. It’s hard to do, but it’s an option.
3. Ask your employer for a raise (hey, it doesn’t really hurt to ask)
4. Work some overtime hours.
5. Sell some items on eBay or Craig’s List.
6. Have a garage sale.
7. Get a cash advance on a credit card or other line of credit.
8. Get a payday loan.
9. Get an automobile title loan.

Interest on payday and auto title loans can be quite high but do the math. If you have money coming and are facing late payment fees, then that high interest may actually save you money, save your credit rating and also reduce the stress since you’d have only one place to pay instead of several.

If your car or truck (or even motorcycle) is paid for, you can get an auto title loan. These are usually done locally but there are some online lenders as well. Find out more about auto title loans.

If you have a job, make $1000 per month, have your name on your apartment lease or home mortgage and are over 18 years of age, you should have no problem getting a payday advance loan. With these short-term loans, you can get cash (usually a few hundred dollars) within a day and pay it back with interest when you get your paycheck.

To know which type of loan is better, you need to do a little bit of research. Find places that do these loans and ask them how much interest and how much your final payment will be for the amount of money you need to borrow. Auto title loans will sometimes have lower interest rates because you’re doing a loan with collateral, but these loans usually are for a higher loan amount than a payday loan.

If you do your research, you’ll find the best rates. It’s not much work. Most importantly, find a lender that you’re comfortable with. Do a “gut check” and only borrow from a place that treats you well and is there to help you. Weigh all your options – including getting a part time job. The more money you can bring in, the better off you’ll be financially.

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