You never really know from one day to the next how life is going to treat you.  What you do know however that somedays things will seem to be going all your way whereas on other days you will not be able to believe how your luck could be so bad.  The real trick is to make sure that when your luck is out that you have a plan, or a fall back position which means that you do not lose out too much.

One such plan is to make sure that if you need to borrow a sum of money quickly you can do so.  It doesn’t have to be a significant sum, say 5000 dollars, enough perhaps to see you through almost all temporary financial problems that might come your way.  So what is the best way to borrow 5000 dollars in an emergency.

Well there is a clear front runner for this and you should seriously consider setting something up just in case.  The front runner is a credit card with a facility against which you can draw cash.  It is quite common these days for credit limits to be as high as 5000 dollars and also that the credit card company allows you to write a check against the facility.  So if you do need to borrow 5000 dollars then why not set up a credit card for just such emergencies, leave the facility unused but available for when you really need it.  It might be really important.