Kerryn Boogaard Kerryn Boogaard
Beverly Goldsmith Beverly Goldsmith
Zoe Bingley-Pullin Zoe Bingley-Pullin

Ways to cover surprise bills without a credit card:

Surprise bills and unexpected expenses happen. Especially when you have kids.
By Expert Tips
Date: November 02 2016
Editor Rating:
How to pay if no credit card motherpedia cover

Whether it’s for school materials, an emergency trip to the dentist, or a replacement tyre for the family car, sooner or later, we all get caught short. Usually at the worst time.

In these situations, a credit card can be very handy. They’re a convenient way to cover a temporary shortfall in funds, when and where you need it.

However, credit cards do have their downsides. Particularly when it comes to using them too much. Even with a modest limit, it can be easy to rack up a large debt.

So, what are the alternatives? Can you ditch the credit cards and still have options in an emergency? Yes, you can. Here are five such options to choose from.

1. Personal overdrafts

A personal overdraft allows you to overdraw your bank account up to a chosen amount.

It’s a safety net for when what you’ve budgeted for isn’t quite enough. If you find yourself $100 or $200 short you simply overdraw the amount and repay it over the coming weeks.

Like a credit card, you are charged interest on the amount which you overdraw. There may also be a monthly fee for taking advantage of this service.

Yet, unlike a credit card, personal overdrafts are designed purely for emergencies. So, there isn’t the temptation to use them every day, like with a credit card.

2. Rainy day accounts

This isn’t going to be an option for everyone. Between childcare costs, nappies, and doctor’s check-ups many Mums are working hard just to break even.

Still, if do have the capacity to put a little away once a week, it can be a real help for handling unexpected expenses when they occur.

A rainy day account is simply an account you open and then contribute small amounts to on a regular basis. So, when emergencies happen, you have a little extra.

Even as little as $10 a week can, over time, add up to a handy backup.

3. Short term cash loans

A cash loan specialist can give you access to funds quickly and conveniently. Approval and transfer can take just a couple of hours. And applications are usually completed online or over the phone.

Unlike a credit card, these loans do not charge interest. They instead charge two fees; an establishment fee and a monthly fee for each month of the loan.

This type of loan is more expensive than other options. However, the trade-off is that you get the funds quickly and with a minimum of effort required.

4. Borrowing from family

Borrowing money from family or close friends can be a bit of a catch 22.

In many cases, this is the cheapest way of getting additional funds. After all, most parents or siblings tend not to charge their relatives interest or fees.

That said, money can often be a controversial topic among families. It can also result in considerable heartache if things go wrong. And, the last thing you want is a falling-out over money; family is worth more than that.

So, if this is an avenue which is available to you, tread carefully. It can be an effective solution, provided you take the appropriate precautions.

5. Centrelink advance payments

If you are receiving Centrelink parenting benefits, then you may be eligible for an advance on your payments to cover a temporary shortfall in cash.

Repayments on your advance are made fortnightly via a reduction in your regular payments.

So, it will be important to factor that into your budget.

Arranging this type of loan can be difficult. Anyone who has dealt with Centrelink in the past will know that there can be waiting periods and a fair amount of paperwork.

However, once arranged, these are one of the lowest cost options available.

Club Money are cash loan specialists who provide fast emergency cash loans to get you through the tough times.

Share This Tweet This Email To Friend
Recent Comments
10 Total Comments
OBAT HERBAL ALAMI says: 2016 12 20

obat kanker kelenjar getah bening stadium 3
Pada Obat herbal alami Penyakit Kanker Kelenjar getah bening Amazon juga terkandung madu alami, yang berfungsi menutupkan juga sebagai mengobati luka karena penyakit kanker kelenjar getah bening, rosella bermanfaat untuk lancarkan sirkulasi darah dalam tubuh, yang kacau oleh karena sel-sel penyakit kelenjar getah bening ini.

Obat Tradisional Kanker Prostat Tanpa Operasi
Seusai minum sebanyak tujuh botol Amazon obat herbal untuk penyakit kanker prostat. “Saya meminumnya 60 sampai sembilan puluh mili 3 kali per-hari. Habis tiga botol saya minum & merasakan perbedaan yang menakjubkan, buang air kecil menjadi semakin lancar & badan terasa lebih fit.

Obat Tumor Hati Ganas
Jus Kulit Manggis salah satu Obat Herbal untuk penyakit kanker hati stadium 1 2 3 4 yang diracik menggunakan bahan-bahan alamiah dengan perpaduan sari kulit buah manggis, bunga roselle, buah anggur, buah apel & menggunakan madu murni berfungsi sebagai pengawet alaminya. Berdasarkan pengamatan banyak pakar, sudah membuktikan kandungan senyawa zat xanthone di dalam kulit buah manggis mempunyai antioksidan yang mampu menghalang radikal bebas. Selain itu fungsi pertama xanthone ini sebagai anti-kanker, menghambat tumbuhnya sel kanker di dalam tubuh serta membunuh sel kanker hati hingga tuntas.

NATURE HERB MEDICINE says: 2016 12 22

Obat Herbal Kanker Prostat Stadium 4
Obat Tradisional Kanker Prostat Jus Kulit Manggis Pusat Penjualan Obat Kanker Prostat Amazon Plus
Apakah yang dimaksud dari penyakit Kanker prostat? Penyakit Kanker Prostat adalah salah satu penyakit kanker yang berkembang biak di prostat, sebuah kelenjar dalam sistem reproduksi laki-laki. Hal ini terjadi pada saat sel kanker prostat mengalami perpindahan dan mulai berkembang di luar kendali. Sel ini bisa menyebar secara metastasis dari prostat ke bagian anggota tubuh lainnya, terutama bagian tulang serta lymph node. Penyakit Kanker Prostat bisa menimbulkan rasa sakit, kesulitan pipis, disfungsi ereksi serta gejala lainnya.

Obat Herbal Kanker Payudara Paling Mujarab
Obat Herbal Kanker Payudara Alami
Tahukah anda yang dimaksud dari Sakit Kanker Payudara? Kanker payudara ialah kanker yang terjadi pada bagian payudara, atau keganasan yang bermula sel pada payudara. sakit payudara seringkali dirasa oleh kaum wanita, namun demikian ada beberapa kasuspenyakit payudara terjadi pada para laki-laki. Kebanyakan penyelidikan menunjukan jika 80% jenis penyakit payudara dialami lebih kebanyakan pada kaum perempuan. sakit kanker payudara menjadi ancaman tersendiri untuk kesehatan para perempuan. pada umumnya penyakit kanker payudara ditandai dengan adanya berbentuk benjol pada bagian payudara. Tapi Anda patut berhati-hati dikarenakan jenis kanker pun dapat menjadi berbahaya tidak menunjukkan adanya berbentuk benjolan.

Obat Herbal Kanker Paru Paru
Jus Herbal Obat Herbal Penyakit Kanker Paru-paru
Kanker Paru-paru merupakan salah satu jenis penyakit yang begitu membahayakan. Apabila seseorang terkena kanker, dia pasti akan kehilangan harapan hidup karena hingga saat ini belum ada obat pasti yang dapat menyembuhkan penyakit kanker paru-paru sampai sembuh. Dalam artikel kali ini kita akan membahas mengenai kanker. Salah satu penyebab terserang penyakit kanker paru-paru, gejala-gejala kanker serta penanganan yang paling benar dalam mengobati penyakit yang mematikan ini. Jus Kulit Manggis Obat Tradisional Alami Penyakit Kanker Paru-paru satu-satunya solusi yang paling tepat serta ampuh dalam mengobati penyakit kanker.

Bryce John Adalynn says: 2017 07 17

I really enjoyed reading your article. I found this as an informative and interesting post, so I think it is very useful and knowledgeable. I would like to thank you for the effort you have made in writing this article.

Netflix Login says: 2018 03 10

Netflix is one of the major streaming sites that is available on the internet <a >Free Netflix account</a>  with great stream content and with a lot of Free Netflix account original shows. Be it Hollywood movie, TV show, and others.

kucifer says: 2018 05 11

The Specific Identification number my lowe’s life or we can say credentials will help you to login to the portal to access various sections which are available for each and every employee. The employee portal management system by myloweslife is quite useful for everyone who is engaged with this system.

lucifer says: 2018 05 24

Creating your own rocketmail login account is pretty simple and you can easily sign up for a new account by following the steps given below. The process can be done in just 15 minutes. Users of rocketmail signup are using the same service through Yahoo Mail with their own RocketMail Ids. At presently, Yahoo has over 200 Million users around the globe and all of them are using the same interface i.e. Yahoo.

annagrey says: 2018 06 05

Writing an essay on more Writing an essay on more the one topic is not essay and also writing an essay is Not an Essay while writing an essay There We Focus on many things and Topic research and the Proper writing with English grammar many students are come and get help with our       writer and they come again and prefer other for our excellent service the one topic is not essay and also writing an essay is Not an Essay while writing an essay There We Focus on many things and Topic research and the Proper writing with English grammar many students are come and get help with our   pro papers review    writer and they come again and prefer other for our excellent service

View All Comments
Post a Comment
* your email address will not appear

Please enter the word you see in the image below:

Post a Comment
* your email address will not appear

Please enter the word you see in the image below:33343

Your Comment has been posted
Related Articles
Make sure you're on top of your financial life with…
Read more
The piggy bank and beyond
Read more
Vtech giveaway motherpedia

Win 1 of 3 VTech Toys Pack Giveaway
Playtime is so much more with VTech


Win 1-of-3 Trolls Prize Packs Giveaway
Let's get artsy with the Trolls!

Oral health for pregnant women - motherpedia

6 Early and Unusual Things Women Experience During Pregnancy
Are any of these familiar?

Booties-2047596 640

Baby shower gifts that expecting mums will love
Buy these for mum-to-be!

Motherpedia cover-4

A Fortnight of Foodie Experiences at East Village
A taste of East Village. What's in it for me?

Globber my too fix up cover

We Try: Globber My TOO Fix Up
A scooter that grows with your child

Throw a winning cricket pitch

3 Steps to a Winning Backyard Cricket Pitch
Ex-Adelaide Oval legend curator Les Burdett shares his tips for getting your backyard cricket pitch test match ready this summer

A bike that follows your kids life cycle - motherpedia - cover

A Bike That Follows Your Kids Life Cycle
Check out the Bunzi 2-in-1 gradual balance bike!

Motherpedia cover-4

A Fortnight of Foodie…
A taste of East Village. What's in it for me?


Navman shows parents the…
FREE online seminar for parents on best practices for instructing a learner driver


Head to Thredbo for…
Don't miss the LEGO Friends Snow Festival!


Join LEGO Australia to…
Fans invited to celebrate May the 4th Be With You Day 2017 at Westfield Warringah