Introduction - At least once in every person’s life comes a time when the need is great and the resources are few. It can be hard enough to make ends meet on a decent wage, but, when the times get tough and the money just is not there to meet the need, a person can easily despair.

101 Ways to Raise Emergency Money has been written with you in mind. If you are forever trying to come up with inventive ways to earn and save more then this creative ebook will absolutely thrill you.

01. Cash Crisis - If you are hit with a serious money crisis and you find yourself scrambling around for emergency money, here’s how to assess your situation and get back on your feet.

All of a sudden and without warning, your roof begins to leak! Your hot water heater shuts down and your computer goes up in smoke, the clutch needs to be replaced in your car and your son decides to have his wedding on the Isle of Oahu – all of this within the same week!

02. Money Emergency - Wherever there are money woes, you can be sure to find crippling emotional setback. Avoid it all you try, you might just as well begin to prepare for the devastating fiscal and the emotional fallout that is sure to come. You will need to cope very well with both if you hope to make a solid financial comeback.

Whenever a money emergency hits, it will be your ability to deal with the individual pitfalls that will hold you in good stead.

03. Increase Cash Flow - • Take on a hobby that you can translate into dollars. Can you walk a neighborhood dog? Teach basket weaving? Host a dining room? Baby-sit for your sister’s kids? Do Computer graphics? Consider which of your talents might be worth a few extra bucks and then go out there and do it.

•        Take on a part-time job. The holidays are soon coming up, and many people supplement their salaries with part-time retail jobs. Just don’t spend it all on holiday gifts and be sure to bank it into your savings.

04. Emergency Fund - Finding money during an emergency can be very difficult if you fail to plan. Establish emergency savings in both good times and in bad. The chance is very good that you will be called upon to put out a sum of money on the spot and when you least expect it.

It is a very good rule of thumb to sock away three to six months’ living expenses. You can also use this same money when you’re faced with major, unplanned expenses such as a car that breaks down or much needed college funds.

05. Credit Cards - Credit cards are perhaps one of the most expensive forms of money. A very good rule of thumb is, unless you pay off your credit card bills each month, don’t use the cards for anything you can either eat or wear.

Another good rule of thumb is to consolidate your debt. If you have several credit cards, each at different rates of interest, why not fold them into a home equity loan and then write off the interest payments? This is a good way to begin an emergency savings fund.

06. Find Money - If your plan for money for your next emergency is to scoop up the change that falls between the cushions, you might want to come up with a plan to add to that stash. It is always a good idea to have a little extra green for the lean times. Rainy days could be just around the corner. Rainy day funds become necessary! Here are some very clever and virtually painless ways to put aside some money now!

07. Save Money - When you think about it, there are a good many ways to save those precious pennies. Some ways will require some sacrifice, while others will require little before thought.

The point is to be forever mindful of saving those extra pennies and before you know it, you will have saved up a tidy sum.

• Spend less money than you earn each week.

• Seek out a higher paying job.

• Keep your job skills sharp and up-to-date so that when a new opportunity comes up, you will be on your toes and first in line.

08. Creative Saving - Shop for clothing at thrift shops (especially for young kids). Look for gently worn or even new clothes for 1/10 the price of new (or less).

• Pay your bills online. It’s protected and you can save with stamps.

• Put your kids on the school bus rather than driving them to school.

• Slipcover or reupholster older furniture for a quick update rather than buying expensive new furniture.

• Refinish furniture and/or decorate with new paint. Use older and broken furniture to make a unique piece.

09. Thrifty Saving - Saving for an emergency need not be a chore when you are making a good effort to put money aside constantly. Be in a mood of saving and watch as that bank account accumulates.

• Instead of buying a new DVD, save money by trading with family and friends. Once a month do the rounds and before you know it, you will have a new library of good movies to enjoy.

• Plant a small garden each spring, with just the vegetables that you really like. Even a small effort every day can save you dollars usually spent on fresh vegetables at the produce market.

10. Shoestring Saving - Believe it or not, how much you save has little to do with how much you make and studies have proven this! It is time to put away the excuses; here’s a roadmap for finding money you didn’t even know you had.

When you hear that one, simple word, do you feel a deep sense of guilt? Of course you do – we all do. That is because, like most Americans, 75% of respondents said they knew that their savings, targeted for retirement, were insufficient.

11. Good Savings Plan - You are ready but you feel at a loss as to how you will come up with that extra money. You are already barely eking out a living. You can manage if you train yourself to think differently. That is the first part of any good plan. You have to think right. If you don’t think right towards your money, you won’t be able to manage it.

Your First Step: Rethink how you think about money

Saving money is a calm state of mind. Before you can even begin, you have to say NO to all of the spending—and stop thinking that you actually need all the stuff you’re spending all of your hard-earned money on. Just don’t spend.

12. Living on a Budget - Regardless of the time in history and no matter what the current state of the economy, no matter what the current trends are, no matter what the unemployment rate is or where interest rates are, some money-saving ideas always work and stay true.

Big changes come from small steps and if you determine to put even one of these many savings secrets into place, you will see big change in your life.

13. Help you Save - 1. Don’t settle for interest checking. Have a separate savings account that can’t be as easily accessed as a checking account.

2.       Keep your savings in a different bank - one that’s off your regular route, or perhaps even in different town. That way you won’t be tempted to dip into it every time you visit the bank to make a checking deposit.

3.       Buy short-term savings bonds, which have 6-month to one-year maturity dates. You will get a higher rate, while at the same time keeping your money close in case of real money emergencies.

14. 7 Ways to Save - Do you truly want to save? Take a serious look at how you spend and then change it. Quit smoking those cigars, take in a roommate, park your car—and you’ll save as much as $10,000 a year. It really is just as easy as all that!

Are you finding it harder and harder to blame savings shortfalls on your measly pay check?

Will it surprise you to learn that how much you save has little to do with your income? Well it is very true, in fact. It has more to do with whether you want to save and are willing to adjust your finances to boost your savings.

15. Savings Strategies - If you are serious about having a healthy emergency money fund, you might want to curb the consumer in you. This means, instead of spending, saving. Of course, the number one, best way of saving remains to have a portion of your weekly paycheck automatically deposited to your savings account. If you like the idea of deciding, week by week, how much savings you will deposit, take heart and adapt a serious tip or two. It’s all good if the end result is better and more savings.

16. Small Cuts - Tilt the wheel of creating wealth in your favor. Naturally, spending less is one way. However, to be sure to make your money work harder for you—set goals to make certain it happens.

Many have wondered what can be the foolproof way of creating wealth. Is it to buy top paying Internet stocks or to work for a tech startup that offers you valuable stock options? Is the trick to count every penny or is the road to wealth paved with risk? Do you have to be especially smart and well-connected? Alternatively, is becoming wealthy a matter of luck?

17. Debt, Stress & Family - Financial stress is common among those forced into frugality because of a lost job, divorce, death in the family, or being overcome with debt, etc. This can cause a person to feel insecure, fearful, anxious, angry, and, of course, depressed.

These same feelings are easily the number one cause of poor money management decisions. These poor decisions will lead to unmanageable debt loads, and start a vicious cycle of panic that never seems to end.

18. Quick Cash Fixes

19. Timely Lessons - Planning for a money emergency takes plenty of forethought. It is best to start to plan now rather than need to scramble to come up with the cash when the need is greatest.

• Adapt some strategic thinking.

• Reprogram your mind now to become a saver

• Simple living yields simply millions in savings

• Remind yourself that you can do with less

• Make a mindful decision to live light.

• Put your entire family on a budget

• Discuss strategies about how to build your first budge

20. Gas Money - Gas prices just keep going up, and our wallets keep decreasing in size. This how-to will teach you many ways to save money at the local gas station.

Steps

1.       Take out a credit card. Some credit cards offer gas savings when you use the card for purchases. This works in much the same way that some credit card companies give you frequent flyer miles when you use their card for purchases.

21. Managing Money - Let’s face it, coming up with smart and simple ways of saving money takes thinking that is a bit more creative.

Use some of these shortcuts to managing your finances. They are guaranteed to save you time and money.
 
Trick your mind into saving
Can’t always come up with where your money goes? There is a simple solution: Trick your own mind into spending less and saving more.

22. Calm AND Savings - Saving is far more than just an action – it is a way of living, day-by-day.
  
Start to be calm by first slowing. Whatever it is that you are working on now, stop. Spend the next 30 minutes a day in silence and solitude. You need to teach your mind how to relax, so you can shift from the work-and-spend treadmill and then focus on what’s most important to you.

23. Electric Bill - Spending lots to save pennies makes very little sense, but if you’re already in the market for a new appliance, consider the Web as your first line of defense in energy-savings.

Perhaps you weren’t so Eco-conscious until that glaring electric bill landed in your mailbox. It’s time to become mindful of the green in your wallet and save energy at the same time.

24. Find FREE Money - If you are tired of making lifestyle changes to accommodate your savings plans then read on. These ideas lead you to prime places to look for money that’s already rightfully yours.

Some people see little point in changing their ways to save a quick $5 or $10. These same people find it difficult to believe such small amounts can actually make a significant difference to their bottom line.

25. Preparedness - Armed with the finances that you need to survive, look to the below lists and arm yourself, now, with all of the supplies that you will need in a dire emergency:

Miscellaneous supplies to store up
· 25 pounds laundry soap
· 12 28 oz. bottles dish soap
· 73 rolls toilet paper
· sanitary napkins in sufficient quantity
· 8 gallons bleach (used for sanitation as well as laundry)

THE END