- Borrowing usually becomes the last choice for people who are desperate for money. In moments of not having money but having urgent needs, usually someone will stress thinking about where the source of the loan comes from. Urgent needs that require a large amount of funds can make people stressed. When you don't have an emergency fund, debt becomes a solution to cover financial problems. Meanwhile, when someone is already in debt, they have an obligation to repay it. Unpaid debts until someone dies, then the debt must still be paid off by their heirs.

When in desperate need of money, there are several ways that can be done: 1. Evaluate the Situation: First and foremost, it is important to objectively evaluate the situation and prioritize urgent needs. 2. Plan the Budget: Create a clear budget to manage finances more efficiently, including cutting unnecessary expenses.

3. Find Additional Sources of Income: Consider finding additional sources of income, such as part-time jobs or freelance projects, to address urgent financial needs. 4. Wise Borrowing: If possible, consider seeking loans from trusted family or friends, or explore borrowing options that are wise and suitable for your financial capabilities. 5. Sell Unused Items: Consider selling unused or unnecessary items to earn extra cash.