Get Help Today to Pay Your Bills
Keeping up with your bills can be tough, especially if you’re trying to juggle household bills, debt payments, and the day-to-day expenses of raising a family. Even if you stick to your budget, you may need some emergency money to cover your bills. These suggestions can help you get help today to pay your bills.
Find Quick Loans to Meet Your Budget
There are many short-term loans available to help you pay for your bills. For example, Advance America offers payday loans that can give you a bit of extra money before your next paycheck. With a payday loan, you can get your money as soon as the same day you apply.
You can also get an installment loan right away and pay it back in smaller, multiple payments over time.
Be sure to only take out a loan if you’re sure you can afford the monthly payments.
Sell Unwanted Items
You probably have items lying around your home that you don’t use or need. Consider selling these items by hosting a yard sale or advertising them online on sites like Craigslist or Facebook Marketplace. Gently used clothing, electronics, kitchen appliances, and sports equipment are examples of items that tend to sell quickly and can help you get some emergency money.
Ask an Organization to Help
Various national and local organizations help people out when things get tough financially. Don’t hesitate to reach out to these organizations and ask for help. Even if they can’t help you directly, they can refer you to other organizations or programs that can. The United Way, The Salvation Army, Catholic Charities USA, and the Jewish Federation of North America are a few examples of organizations that may be able to assist you and a quick call to 211 can often find services in your area that can help in your time of need.
Pick Up the Phone and Negotiate
By picking up the phone and negotiating your bills, you may be able to land more affordable rates and pay for your cable, utilities, cell phone, home security system and other expenses. When speaking to a customer service representative, be honest and say something like “I am considering canceling my service because I can’t afford this bill anymore. Is there anything you can do to help me out?”
If they don’t give you a favorable response, call back another day and try again with a different customer service representative. Being firm, honest, and nice when negotiating bills is sure to pay off. Sometimes a payment plan can be put in place that meets your schedule and keeps your services turned on.
Seek Credit Counseling
If you are overwhelmed by your credit card bills, credit counseling can be a good option. A credit counselor can design a debt management plan, which can help you secure lower interest rates with your creditors. If you decide to go this route, choose a credit counselor from a reputable agency that is a member of the National Foundation for Credit Counseling or the Financial Counseling Association of America.
Start a Crowdfunding Campaign
Crowdfunding can give you the chance to raise money from your friends and family online. If you’re falling behind on bills because of a job loss, natural disaster, or another unexpected circumstance, consider creating a crowdfunding campaign. GoFundMe is a popular crowdfunding site that you can help you get some emergency money for bills when things get tough but remember that funds are not released until you meet your goal.
Refinance Your Loan or Credit Card
Refinancing involves replacing an existing loan with a new loan that’s more affordable. Consider refinancing if you’re struggling to make your loan or credit card payments. Refinancing can help you get a better interest rate and term so that your payments are more manageable for your current financial situation.
These strategies can help you pay your bills and avoid the financial problems that may arise if you aren’t able to. And when you climb out of your current predicament, be sure to begin planning an emergency fund and look into gigs and other ways to increase your income.