So you’re jobless. By some unfortunate turn of events or bummer circumstance, you’ve found yourself without employment – and, in turn, without a cash flow. If you’re financially savvy, you probably have money socked away (ideally, at least two months’ living expenses) for just this type of occasion. Good for you! If not, though, don’t worry; you can still survive being unemployed for a while, from earning quick cash to job hunting.

Borrow or beg ... but don't steal.

This is for emergencies only, because no one likes being a mooch. Sometimes, though, you need cash fast, and the only way to go is to humble yourself and ask for help. It’s perfectly all right, if it isn’t a recurring habit of yours. First, think of people who may owe you money and collect from them. After that, if you’re still in need, consider a low-interest bank loan. If that avenue doesn’t work, you can turn to your family or friends, if any of them have the financial resources to help you.

Borrowing from loved ones can be a sticky situation, though, so make this your absolute last resort. Since they’re people you know, you may feel less obliged to repay them in a timely manner, and this can really tick off even the most benevolent granny or easygoing best friend. If you find yourself in the position of having to borrow from someone close to you, make it as reassuring for them as possible by agreeing to specific terms of repayment and putting everything in writing – and then stick to those terms as closely as you would those of a professional financial institution. A final word of caution regarding borrowing: no matter how desperate you are for cash, beware of “quick lenders” such as payday or title loan companies; their interest rates can be phenomenal.