#1: Home equity loan, secured loan, or secured line of credit on assets.

#2: Savings/Retirement. Some clients just transfer funds, or they've even mailed us a check. If you don't have savings, that's just another reason to escape from the financial drain of divorce faster and protect your assets from this guy's constant chaos. We also often give people a discount/incentive for paying in full, just in case someone pays a fee for withdrawing funds from a retirement account. (It's a small price to pay if it results in you securing your freedom for you and your kids!

#3: Clients have withdrawn funds from their IRA without incurring fees or financial penalties from withdrawing; speak to your financial planner or similar to ask them about yours.

#4: Investment accounts / Withdraw funds from your account with your financial planner: A recent mom told us: "I have money that I gave to my financial planner that isn't doing anything for me, I'm going to call her right now and get the money sent back to me."

#5: Sell properties/assets: We had a client who made a deposit to hold her spot in the program, and then sold one of her properties.

#6: Apply for a New Credit Card: Some clients have gotten 12 to 18 months of 0% APR on a new card. To me, that's like a free loan! Here's where I go: www.CreditCards.com

- Good/Great credit, we recommend looking at:

~~ AmEx Blue Cash card, zero annual fee. 

~~ Discover "It" Card, zero annual fee.

- Okay credit, we recommend looking at:

~~ CapitalOne QuickSilver card.

#7: Apply for a Business Credit Card -- We use the "Chase Business Ink Cash" Card. It can also be registered as just a 'Sole Prop', so people don't even need a separate business name to apply for it. I know people who applied with just their First and Last Name as the name of the business.

~ Want to improve your credit? We recommend this book: It's been super helpful:

https://www.amazon.com/Your-Credit-Score-Improve-Financial/dp/0134212487

#8: Split The Balance Over Several Payment Cards/Methods: Most people have multiple credit cards for when important opportunities come up and they want to create their own payment plan outside of the ones we offer here. Which credit cards do you have? Some clients split the balance over several cards.

#9: Existing Credit Card - Call The Card Company and Ask For "A Temporary Raise In Credit": See if you can call them real quick to increase the limits. Often times they will increase your limit if you just call and ask.

--- "Hi, I wanted to know if I could temporarily increase my available credit limit just for this month, to make a larger one-time purchase?"

~ or ~

--- "Hi, I wanted to know if I were to make a larger purchase than usual, would it would be approved?" (This is usually called checking your Spending Power or Spending Ability on a card. Some cards may let you exceed the existing limit, especially if you ask!

#10: Existing Credit Card - Try processing a credit card anyways: Lacking available credit? Our team collectively has helped enroll hundreds of clients, so we've seen a lot of miracles happen! Sometimes, even though the payment amount would exceed their credit card limit by several thousand dollars, sometimes the transaction still goes through! Ask your advisor to try processing each of your credit cards, just in case it goes through.

#11: Offer to pay interest to a friend or family member, that might loan the money? ( I know someone who asked their grandfather, and he loaned them $5,000, and it worked out perfect. )

--- (The email or TXT could say "Hey ____, I wanted to see if I could pay you interest, in exchange for a loan. If you’re up for discussing ideas, let me know?")

--- Conversation can start with: "Actually things are doing okay, I'm just trying to manage my credit cards and cashflow to make it easier... so I wanted to see if I could pay you interest, in exchange for a loan."

--- (You can also show them that you're investing in something that will increase your income or protect your money) ---

--- "I'm trying to consolidate some Credit Cards, and I figured, if I'm going to pay interest, I’d rather pay it to you! So: if I paid you 10% interest, would you be open to a 12 month, 5k loan? So: I’d pay you a total of $5,500 back, paid over 12 months. I’d round up the amount and make it an even $459. How does that sound?"

--- (Or, you could say you'd borrow $5,000 from them for 12 months, then next year on this EXACT DATE, you'd pay back $5,500 in full (which avoids you having to make monthly payments). Or another example: you could say you'll pay them back over 9 payments. So for 3 months you could propose no payments, and start paying $611 monthly, for 9 payments, starting in 90 days from now. They still make $500 in interest, and you get payments!)

--- "How would you like me to pay those monthly payments to you? (Mail a Check, Venmo, FB Messenger, etc)"

--- "What day of the month should I make payments? Should we start the payback in 30 days, and then on that same day each month going forward? This way I'd send you $XXX on X day of the month, for 12 months straight?"

-- "Obviously I’d put this in writing for us so it's all spelled-out, and we can sign it together." (You can get a free trial of DocuSign.com or SignNow.com if you need it)

--- "Cool, and then what's the best way to send the funds over this way?"

--- (If no go) "Would you be open to a smaller amount?" (If asking for $10,000, try asking for $7,000, then $5,000, or $3,000, or $1,000... because you can try doing this with multiple people.)

#12: People love supporting a friend's good cause, and people love investing in a friend who is Stepping Up in life. (Most of my friends have personally benefited from me hiring a coach for myself. More ideas for them that I get to share with them, and less of me nagging them for help. So we can all grow together.) www.GoFundMe.com allows you to create a campaign where people can donate small amounts. “Need money for taking an online course" or "Need money for hiring a coach" or "Need funds to help me escape my ex and protect my kids rights in court" -- Description like: You all know I've been bugging you all for advice lately trying to get my divorce finished, I found an entire team of experts I want to hire to help me. Even happy to pay you all back, if desired. Happy to share what I learn, with all of you that donate, too." - Many friends are probably excited that you'll stop asking them for emotional support and get it from professionals, so they might donate to help you get that done!

#13: www.Upstart.com - My personal advisor Alex told me there are companies like these that put financing together for people who want to do educational/coaching programs to help better their life, since they realize that people's income often increases when people remove what limits them from progressing in life. You can look these up and see. I've often used credit cards for hiring experts, so please keep in mind, I've not personally used these companies and cannot say much else about them. Just more ideas from my expert circles and associations.

#14: Post divorce? Sell old stuff - One of my personal advisors Mark says the average American owns $10,000 to $30,000 worth of old stuff, like hobby equipment or gifts or unused items, all of which don't help them escape their ex (lol). Can't find things? Look at every shelf in the house, it's all there: None of the items we own are creating the dream lifestyle we want, and much of it is going to get lost in the divorce or be liquidated to pay for attorney fees next year if we don't end this soon, so might as well sell it! And, most things we own often DISTRACT us from doing what we need to do, or they help us cope with life rather than build the dream life. That's why we bought it in the first place, to hide from the pain of things not working. Well, our implementation program is meant to make life less painful, by addressing the reason why we buy things to make us feel better temporarily! These can be sold on www.Craigslist.com or www.eBay.com, or at local thrift shops, pawn shops, or a garage sale. What do you have that can be sold, in order to get on the path towards the life we're going to start building together? (And how bad do you want things to change? Let's prove to the universe and the powers-that-be, that you're ready.)

#15: Who Owes You Borrowed Money? - We all have a good heart... So, usually, we've become the bank for someone! Who owes you money, that you could get back? "Hey, remember the $____ I lent you, I need to make an important purchase, how soon can we return that money to me so I can use it?" -or- "Can you remind me when you were going to pay me back? I have a purchase I want to make tomorrow." -or- "Hey, I was wondering if we can setup a payment plan for the funds I let you borrow? When can we start that?"

#16: Who Might Gift You Money, to Pitch In? - When people like you are committed, a lot of times there are people who will invest in you to help you get what you want. So: Who wants you to succeed, and be happy? Do you have any family that know how much you want this dream, or see how much you're struggling, to see if they will support you with this? Is there someone who would help sponsor you?

An Idea From A Past Team Member: There’s a difference between asking someone for money and asking someone to support you with a solution you've found. It’s much more empowered and confident to say, “I’ve found a solution and I know it will help me. Will you support me?” vs. “I really need help, can you please give me some money?" Saying things like "I think this might help me” leaves room for doubt. But "I finally found exactly what I need to get away from this person and build my dream life, could you support me somehow?"

#17: Sell your engagement ring! (Or other jewelry) Many of us have agreed that while jewelry looks nice, it doesn't help us build our dream life, or protect our kids. Feel free to explore selling jewelry to raise funds for your freedom. I sold my $15,000 engagement ring for $10,000 (cash) on Facebook's 'Marketplace' and then I used it to enroll in a coaching program so I could get help to build my dream: it worked!

#18: Child Support, Alimony, or Spousal Support.

1. Some clients were getting these kinds of support, and used that money towards the program.

2. Some clients didn't care to accept these kinds of financial support options, but then they accepted it and used the funds so they could use the money for how it was intended: To help provide a better life to the kids! 

3. Some clients wanted those items but couldn't get them, they joined us, and we've been able to help many clients get their support payments caught up, or, some of them, never got their support payments at all until we helped them do it.

#19: Our Financing Partner - Personal Loan.

Ask your MomShine Advisor about our new 12 and 24 month financing terms that have been made available by our third party finance partner. :)

Want even more ideas? Google always has ideas for this kind of stuff. Set a timer on your phone, to ensure you don't run off on an "accidental YouTube binge" and lose track of time. Some search terms:

-- "Ways to Raise Money"

-- "Ways to Make Money"

-- "Part-time jobs for Extra Money"

-- "Ways to Reduce Expenses"

P.S. Avoid scams!