--Create your own "payday advance" by asking your employer for an advance on your next paycheck. That way you avoid interest payments while you get the money you need right away. Keep in mind, though, this will cut down on your following paycheck, and your employer may have a limit on how many times you can get advanced.

--If you must extend payments, do it for your non-interest expenses such as telephone or electric bills. Public utility companies will usually listen to your request for making alternate payment arrangements, without having to pay extra in the long run. You can also seek out assistance programs in your area, such as emergency utility funds.

--If you must be late on a mortgage or other interest-bearing expense, ask the creditor if they'll consider waiving the late-payment charge. Many companies will be happy to do so, as long as you don't make late payment a habit.

--If your car's on the mend and you don't have funds to cover repairs, consider options such as public transportation or car-pooling. That way you can avoid making repair payments until you've saved enough to pay for them yourself.

--If you're really desperate, there are probably charity programs in your area set up to help families in financial crises. Contact your church or community center for details.

--If you must dip into your emergency fund, remember it's still better than borrowing -- but also remember to repay yourself. Even if that means working overtime, or selling something of value you no longer need.

--You can get an immediate "raise" by adjusting the amount of taxes you have witheld from each paycheck. Remember, though, that the less tax money you have deducted now, the lower your refund later. Note: ask your employer if you qualify for the Earned Income Tax Credit, which provides credit in each paycheck instead of one lump sum at tax time.

GET CASH WITHOUT BREAKING THE BANK

Some sure-fire ways to find cheaper money:

--Go to your bank or (even better) credit union and apply for a loan or credit card there. If you're fortunate enough to land a credit card, use it ONLY for emergencies. The interest you pay -- provided you pay it back right away -- is a lot easier to manage than the average cash advance loan.

--It may not be your first choice, but you can ask friends or family to lend you money. You can even draw up a written agreement to avoid problems later on.

--If you must have credit, shop around for the cheapest you can get. Always compare both the finance charge in dollars and the annual interest rate (APR) percentage rate.