When you are in need of extra cash, you have to get creative. You may be thinking of putting together a quick garage sale or asking your folks for yet another loan. But if you have already received a warning notice from your homeowner’s association about your perpetual yard sale and your parents are starting to avoid your calls, it may be time to seek some other avenues.

In this broken down economy, one interesting turn of events has been the emergence of financing alternatives. Gold Buyers Louisville, for example, have been hosting parties, opening shops and putting sign wavers on the corners to bring jewelry sellers into their shops for quick cash. All a person need do is bring in their old jewelry, have it weighed and the lender will pay out the going rate for gold that day.

Payday loan shops are another business popping up on just about every corner of the city to provide cash-strapped individuals with the extra money they need in times of emergency. These stores provide small loans to individuals in need of cash, without a credit check.

Banks are no longer the sole institution for lending they used to be. They’ve run themselves out of the business with their time-delayed decision making processes and strict rules on lending. Instead, consumers have found pawn shops in the city, Gold Buyer Louisville and payday loan stores to fill in a gap for the credit-challenged individual who needs cash in a hurry.

Granted, not every individual has a handful of 1980s herringbone necklaces knotted up in their jewelry box waiting to melted down into easy to spend cash. But, if you happen to have some old jewelry a family member passed on to you that you know you’d never wear, it would serve you far better sold off for cash, than collecting dust in your jewelry box.

If you’re looking to make some money quickly, look to sell off the jewelry, list some items on Craig’s List, place a few auctions on Ebay, or apply for a payday loan to tide you over until you get paid once again. Give your parents a rest and preserve your dignity by taking care of your financial problems yourself.