Running Short Before Payday? 5 Steps to Bridge the Gap

1. Write down what is due

Rent, card bill, school fees, EMIs — note the date and the late fee for each. Bills with penalties come first.

2. Cut for one week

Pause subscriptions, cook at home and postpone purchases that can wait seven days.

3. Talk before the due date

Landlords and schools often agree to a few days' delay if you ask early. Card companies may move your due date.

4. Use savings or a short loan wisely

If a real gap remains, a short instant loan can cost less than a late fee plus a credit-score hit. Example: ₹10,000 for 15 days at 0.5% per day = ₹750 interest.

5. Build a small buffer

From next month, move even ₹500 a week into a separate account. Ten weeks later you have ₹5,000 for the next surprise.

FAQs

Should I take a loan to pay another loan? No — it usually makes things worse. Talk to the lender first.