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6 Smart Ways to Ensure Financial Help in the Case of an Emergency

  • February 6, 2022
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GrowingMoneyNo one can predict when an emergency will occur, but by being proactive and having a solid financial plan in place, you can ensure that you have the resources you need to get through a tough time. Here are six smart ways to ensure financial help in the case of an emergency in Arizona.

Getting a Title Loan

Whether you need money for a medical emergency or your car breaks down, the first thing to do is see if you can get a loan. You can look into getting a bank or credit union loan, borrowing from family or friends, or even getting a short-term payday advance. However, if you don’t have a good credit score, you might search for the best title loan company in Tucson to get the money you need. Loan companies are overlooking bad credit if you have a good means of returning the money according to your contract. If you need the money only for an emergency and plan to pay it off quickly, they’ll be more likely to give your application a chance.

Home Equity Loan or Line of Credit

If you own your home, whether it’s paid off or not, getting a loan against the equity in your house is another way to get quick cash during an emergency. The interest rate may be higher than a car title loan, but the period may be longer as well. In most cases, you can borrow up to 80% of your home’s equity.

Since you have to own your house to get this type of loan, this is another good option if you’re prepared to pay it back quickly. Otherwise, this could be a more expensive way to borrow money.

Credit Cards

If you have bad credit, applying for credit cards during an emergency could be the best option available to you. You may have to pay a high-interest rate, but you’ll at least get the cash you need. In some cases, if you’re approved for a credit card with bad credit, the card company will give you your money almost immediately.

In many cases, it makes sense to pay off your credit cards in full every month so that the debt never has a chance to grow. However, in the case of an emergency, you may not have much choice but to use your cards and pay them back later.

Automate Your Savings

One of the smartest ways to ensure financial help in the case of an emergency is to automatically save a portion of your income on a weekly or monthly basis. By diverting money into an account that you can’t easily get to, you prevent yourself from dipping into that savings during times when it’s not necessary.

While setting up your savings this way won’t be helpful in every emergency, you’ll have the money you need to pay for any medical issue or car repairs. You can always use it for something else later, but at least the funds are there when they’re most needed. If you need help, you can get financial advice from Gordon Simmon.

Emergency Savings Account

Another option is to set up an emergency savings account and keep it separate from your other savings goals. Whether you want to save for a new computer, vacation, or anything else, an emergency fund can help you avoid racking up debt or using your credit cards during a time of crisis.

Start small if you need to and add more money as you can spare it. Over time, this money can really add up and help you get through a serious problem.

Life Insurance Policies

If you have a family, taking out a life insurance policy to ensure financial help in the case of an emergency is something to consider. A life insurance policy provides money to your loved ones when you pass away. While this may not be necessary for everyone, it can relieve some of the stress during difficult times.

Also, you can choose a policy that pays out a specific amount, such as $500,000, instead of choosing one that gives your beneficiaries the option to collect smaller amounts over time. This way you’ll know that your family is taken care of and won’t have to worry about saving up for expensive medical treatments or funeral expenses.

Depending on how much coverage you need, it can also help pay off any debts you leave behind.

Regardless of the reasons behind an emergency and how much money you need to get through that crisis, each of these six options can help you get through it without too much trouble. However, before taking out any loans against your car or property, make sure you’re prepared to pay the money back later with interest.

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Carolyn Scott-Hamilton

The Healthy Voyager, aka Carolyn Scott-Hamilton, is the creator and host of The Healthy Voyager web series, site, and overall brand. An award winning healthy, special diet and green living and travel expert, holistic nutritionist, plant based vegan chef, best-selling cookbook author, media spokesperson, sought after speaker, consultant and television personality, Carolyn Scott-Hamilton is a respected figure in the world of healthy lifestyle and travel as well as special diet cooking and nutrition. The Healthy Voyager aims to help people live well, one veggie at a time!

6 comments
  1. Dalia Bonk says:
    March 23, 2022 at 8:41 am

    Thanks for the information. I’ll think about what I can implement in my life. I believe that the most effective strategy to save money is to begin keeping track of your expenses. You have no idea what you’re spending your money on if you don’t know how to save money. I’d also think about scenarios where people face difficulties, such as not being able to pay their rent or having to pay for auto repairs. I propose that you study the Paydaysay.com content. Although I have a negative attitude regarding credit since I dislike getting into debt, my current financial condition forces me to consider it.

  2. Allа says:
    May 28, 2022 at 5:06 am

    thanks for your hints. I can also give advice on what to do if you urgently need money. I started playing online casinos and made good money on it. so if you need money, try to play in a casino, only choose a good casino. Here is a website that will help you choose a quality casino: https://ordb.org/ I think you will like it

  3. Viktorya says:
    October 23, 2022 at 8:33 am

    This is very good advice, but I would like to share my experience and tell you how I made money. I was helped a lot by friends who advised me to try to make money on the lottery. They advise me to find a site to play powerball here. because there are many already verified sites on this site where I can play

  4. garry hilton says:
    October 24, 2022 at 2:29 am

    I also like gambling games like poker and casino. There’s not much to do at night, but just sitting is very boring. Previously, the night was the most difficult time for me, but now on the contrary – there is simply no one and you can devote all the time to exciting games. You can follow the link to go to the site irelandbestcasinos.com with reviews and choose a suitable casino for you. This way you can earn extra money, especially if you have a good strategy game.

  5. pavel kashuba fraud says:
    January 20, 2023 at 3:39 am

    There are several ways to acquire competent financial assistance, and I’ll list a few of them below for you:

    Financial Advisor: Hiring a financial advisor is one of the finest ways to get qualified assistance with finances. An expert who can assist you in developing a financial strategy, establishing financial objectives, and selecting investments is a financial advisor. They can also offer guidance on other financial issues such as insurance, tax preparation, and retirement planning.
    A financial coach can assist you in understanding and managing your finances. They may provide you advice on how to make better financial decisions and can help you pinpoint the areas where you need to improve. They can also provide you useful advice on how to raise your income, pay off debt, and save money.
    Online Resources: You may get free financial advice from a variety of online sources, including financial blogs, websites, and forums. You can learn more about a variety of subjects, such as saving money, investing, planning for retirement, and more.

  6. totosite says:
    February 4, 2023 at 11:01 pm

    Your explanation is organized very easy to understand!!! I understood at once. Could you please post about totosite ?? Please!!

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Welcome! I’m Carolyn Scott aka The Healthy Voyager! I’m a super adventurous, Latina, award winning travel show host, media personality, holistic nutritionist, plant based foods chef, best selling author, speaker, consultant and serial entrepreneur 💖 I love to help people live happier, healthier, greener and more meaningful and balanced lives at every age so welcome to my page! For more information, be sure to click the link in my bio as well as visit HealthyVoyager.com 🥰  #HvonTour #whereintheworldisthehealthyvoyager #travelshow #worldnomads #topdecker #instatravel #instashare #travelzoo #wanderlust #instahub #topdeck #instagood #instago #travel #followme #ladiesgoneglobal #gItlove #skyscannerambassadors #femmetravel #luxuryworldtraveler #gtl #femaletravelcollective #vegantravel #solotravel #vegan #plantbased
Welcome! I’m Carolyn Scott aka The Healthy Voyager! I’m a super adventurous, Latina, award winning travel show host, media personality, holistic nutritionist, plant based foods chef, best selling author, speaker, consultant and serial entrepreneur 💖 I love to help people live happier, healthier, greener and more meaningful and balanced lives at every age so welcome to my page! For more information, be sure to click the link in my bio as well as visit HealthyVoyager.com 🥰  #HvonTour #whereintheworldisthehealthyvoyager #travelshow #worldnomads #topdecker #instatravel #instashare #travelzoo #wanderlust #instahub #topdeck #instagood #instago #travel #followme #ladiesgoneglobal #gItlove #skyscannerambassadors #femmetravel #luxuryworldtraveler #gtl #femaletravelcollective #vegantravel #solotravel #vegan #plantbased
Welcome! I’m Carolyn Scott aka The Healthy Voyager! I’m a super adventurous, Latina, award winning travel show host, media personality, holistic nutritionist, plant based foods chef, best selling author, speaker, consultant and serial entrepreneur 💖 I love to help people live happier, healthier, greener and more meaningful and balanced lives at every age so welcome to my page! For more information, be sure to click the link in my bio as well as visit HealthyVoyager.com 🥰  #HvonTour #whereintheworldisthehealthyvoyager #travelshow #worldnomads #topdecker #instatravel #instashare #travelzoo #wanderlust #instahub #topdeck #instagood #instago #travel #followme #ladiesgoneglobal #gItlove #skyscannerambassadors #femmetravel #luxuryworldtraveler #gtl #femaletravelcollective #vegantravel #solotravel #vegan #plantbased
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