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When I was still working, I have no problem with emergency situations that involves money because I can always apply for a payday advance loan from our company. I just fill-up a form submit to our HR and after a few weeks, they would release the money. If I need the money immediately, I can also apply at other third party financier and just surrender my ATM.
Now that I am a stay at home, I could no longer apply for any payday advance loan since most financial institutes don’t consider me bankable anymore. So if I need money, I go to friends and ask for loans. If they don’t have any, well, I just try to look some more.
It’s very hard to find financial help these days when you are unemployed. They only lend to working and employed people. 🙁