It’s not always possible to know when you’re going to need some money, and sometimes that need can come up at the worst possible time. All across North America and Canada families find themselves short of cash with days or even weeks to go before the next pay cheque comes in, which means that more and more often people are trying to find other ways to get much needed funds.

Many government agencies, charities and companies offer Canadian debt advice to those in need of it, so there’s always someone you can turn to when you’re struggling to see where your next meal is coming from. If you’re fortunate enough to know when you might need some more money, it’s a good idea to know what your options are. There are plenty of places that can afford you some cash when you need it, but you need to know which one is right for you.

When you’re in need of money, it makes sense that the first place you will go is your bank. An overdraft extension could be a good way of easing yourself back into the green, but it’s not available to everyone, and there is no guarantee that your bank will be willing to grant you a courtesy like this.

Likewise, credit cards can potentially drive you further into debt as you live on paying the interest and none of the capital. For many people, the alternative financial institutions such as short term lenders that offer small online loans are becoming increasingly viable sources of quick cash, and with good reason. It’s not for everyone though, so make sure you look into all the avenues available to you.