what other  financial help is there besides new jobs and credit/?
470491
Debt consolidation - learn to budget\ntry learning a trade by taking a class at community college.\nGet a cheaper place to rent(or get roommate) - try carpooling to save money on gas - try to quit bad habits(like smoking/drinking etc.)\n400.00 more a month - comes to a 100.00 a week - that can be made at a part time job.
821003
Any bank or convient store can help...
938530
If you have credit without bad mark on it I am sure you can get a loan from a private source(bank or person).  Also depending on how much you need you maybe able to use other options like credit cards.
930365
try asking a friend and make sure you pay them back\nand then start working on taking care of your finacies properly so that so don't have to no more
567312
Having a history of good, revolving credit (finger hut, Mervyns, Sears, JC Penney) will help you.  Just use it.  If you buy one thing, once, that won't really help.  I got a card at Mervyns and bought maybe one item every three months.  It helped me.  I had a great credit history but "lack of revolving accounts".
901211
Speak to the Citizens' Advice Bureau about FREE debt advice. There are some other charities that will offer you free advice about the best/quickest way to repay what you owe but I am unaware of any organisation that will administer your debt for you or give you a consolidation loan without making some sort of charge. \n\nCAB will encourage you to look at what all your income and outgoings are and devise a strategy with you, not for you, as to how you are to pay it all back. Meanwhile, write a holding letter to your creditors telling them that you are seeking independent advice about the debt. It will only serve to stall them temporarily. \n\nWork out your priority and non priority debts. Priority debts are ones which will affect your home or your liberty and include rent/mortgage, water, gas and electric and any other loan secured against your property. Non-payment of council tax can lead to imprisonment and so is a priority debt. All other debts are non-priority. It is vital that these are paid first.\n\nDraw up an honest list of what comes in to your household and what goes out and include everything, including newspaper money and pocket money for the kids etc. Don't try to hide an amount under the heading 'Housekeeping'. Debt companies know what to expect to see under all the headings based on reasonable amounts according to your home circumstances and trying to hide amounts under ambiguous headings won't work. \n\nYou then need to write again to your creditors and include the income and expenditure form. They should then come to an agreement with you although they are not obliged to. If you go to the CAB with this information, they can help you work out payment plans for each creditor and give you a standard letter to send. It may also carry more weight with the creditors if they know CAB are involved. \n\nCreditors are not obliged to accept your suggested payment plans and will be looking for some commitment from you that you are determined to clear your debt. Can you return the cards to the company, cut up? Can you sell some of your assets? Can you take on another part-time job specifically to pay them off? Could you rent a room out in your house? \n\nThere are other options like IVAs or bankruptcy depending on how much debt you are in but these have as many cons as they do pros and are not the answer for everyone, particularly if you own a house with equity. You could speak to CAB about these options but think carefully before going down these routes. \n\nYou are right to think about alternatives to taking out more debt. There are obvious problems if you cannot keep up repayments on bigger consolidation debts especially if they are secured against your home. I don't know your own circumstances, of course, but maybe going through the debt procedures above will concentrate your mind on how you managed to get into debt in the first place, the pain of being in debt and how hard it was to get out of it which will prevent you from ever going down that road again. I know that I learned that same lesson the hard way and am steering well clear of ever going there ever again. Consolidation seems like easier options but will anyone ever learn to change their behaviour or is it just a quick fix to allow the same thing to carry on all over again? \n\nAnyway, good luck. It seems like a pit you can never climb out of but it will get easier. Promise!
347083
Go to the BNZ, they should be able to help you.
960614
Im in the same boat as you. I have bad credit and debit. I for me figure get a 2ed job pay off all my bills save save save then try for a loan when the bank sees no more debit you have a better chance. I'm starting a business now, well it's already in the books but need more money to fund it.
432926
I am guessing that you are in a bit of a difficult situation and probably have more money flowing out than coming in.\n\nYou would be best to enlist the services of credit counselling service for little or no fee. These services are offered to individuals with low to modest incomes having difficulty with expenses and debt. They can assist you with budgeting, money management and create a payment plan to get your debts and bills obligations paid off.\n\nTip: Get everything in writing and ensure you know who you are dealing with. Here in Canada we have more government not-for-profit options available whereas I am finding all kinds of private businesses on the net in the U.S. which are supposedly going to assist you with counselling services. However, remember they are in the business to make money. Be careful.\n\nAll the best!
436673
Credit cards or scholarships. The college's office of financial aid may be able to direct you to better resources.
988739
if you have a job with a steady income,  you can usually just go to your bank and ask for a loan.  You'll pay higher interest rates if you have no credit history, but as long as you have a job they should be able to help you out.
268929
If you have a business plan and some credibility, your bank might help you out.  You'll definitely need collateral and good credit.  You should also ask family and friends to join your venture, if they're supportive they can help you limit labor costs for a while!
428121
Call the bank they have whole a dept. dedicated just to that. Bank of America is very helpful as are others
1012410
To be honest, another loan is probnably the last thing you need if you already have a bad credit history. It will just make the situation worse.\n\nYou should concentrate on reducing your expenditure and increasing your income.
406846
contact the citizens advice beureo.\nthey give you loads of great advice and its all free!
1047151
Try going to a local church for the help you need.  Those fast loan places are bad news.  Your financial problems will only increase.
312729
Obvious answer of working more hours.\n\nPerhaps a better answer would be get a raise, perhaps increase your qualifications, or simply ask for one.\n\n(NB/ Above two options require you to be employed)\n\nGet a second job.\n\nMy prefered way would be to invest any free money you have in something to gain a return that is better than what the bank gives. Stocks, bonds or property.