<prompt> Human: Money is the root of evil, money is the root of sin... - Monty PythonMy predicament is ridiculously stupid, similar to many here on this sub. I have been lurking for a bit and reading as many posts as possible. Now, I shall pose my question to the community:I need to figure out how to come up with 500 in additional income this month to assist me with paying a large, vehicle related expense. At the moment, I have several credits cards, rent, a car payment, phone bill, student loan and an outstanding medical bill in collections. This totals out to approximately 1500month. The remainder of my funds I make about 1800 covers food and gas expenses. I do not dine out, buy expensive coffee or make excessive purchases. I also try to walk or bike, rather than drive and keep my cell phone plan to the bare minimum. I have tried for a few loans, a second credit card and selling items online and locally. At this point, I have run out of items to sell and am unable to get a second job in the time allowed. Right now, Im behind on one credit card, have been granted a forebearance on my loan and am in collections for a medical bill. A CHARGED OFF medical bill. Ugh.My question is: are there any online opportunities or local assistance that may be an option? I have considered a small payday loan, but I would really hate to go that route.Im not desperate at this point and I have been taking significant steps in fixing my credit issues, but I just wonder if anyone can help me look at this outside of the box a bit?TL;DR: Need some suggestions for coming up with 500 outside of a loan or credit card these are no longer options and selling possessions I have none.  <response>: I really, really hate to recommend this option, but putting the expense on a credit card and paying the minimum balance or less than the full balance is better than getting a payday loan. Are all your cards maxed out? This will at least buy you time to pay off the expense over time. Then, go out and get another job.Can you pawn any possessions?Can you get a roommate to cut down on rent expense?Why is this vehicle expense so critical that you must get it now? Will you fail inspection without it, or will the car flat out stop running? Have you tried shopping around rates to see if someone can do the repairs for cheaper? Maybe a friend or someone you know who is a mechanic could do it for less than 500 or you could barter services.Do you qualify for food stamps or any kind of assistance? If so, put your food on these, and allocate some budget money towards this expense.Payday loans are the absolute end-of-the-line. You will almost certainly make your situation worse by going that route. Even then, I would recommend falling behind on phone bill or rent first to pay this expense rather than get a payday loan. You will not be evicted immediately, but you better figure out how to pay the back-owed rent soon. 