From medical and plumbing emergencies to that car part replacement you never saw coming, urgent expenses can come out of nowhere on any given day. Unless you have a rainy-day fund, these expenses can easily overwhelm your budget, and even if you do have funds for such emergencies, you can't be sure that what you have will be enough.

Finding money in these circumstances can be tough. You may need to get a little creative if you're to have any hope of keeping up with these expenses.

1. Reprioritize Your Budget

Reprioritizing your budget is one of the easiest ways of dealing with urgent expenses. If you had planned for some expense but you can afford to postpone it for a few weeks or months, you can easily free up some cash. Although your budget may seem to be set in stone, you may realize that there are expenses you pay regularly but aren't always urgent. Paying these on the deadline rather than weeks before can give you some flexibility.

2. Make Some Cutbacks

Even if you can't reprioritize your expenses, you can still free up some money in your budget by making cutbacks. There are a few ways of doing this. In the first approach, you can decide to completely cut back on certain expenses. For example, you can decide to go without your weekly massage for a month.

In the second approach, you can find cheaper alternatives to your existing expenses. For example, you can go for store brands rather than name brands when purchasing food items.

3. Take a Short-Term Loan

Depending on the size of the expense, you can also decide to take out a short-term loan to pay it off. If you can get a loan with a fair interest rate, you will be able to handle the expense and pay off the debt without having to make significant adjustments. However, this will depend on other factors such as how good your credit is and how quickly the lending body can get you the money.

4. Pawn an Item

The issue with loans is that the interest can quickly add up and what started off as a small loan can quickly become a nightmare for you and your credit record. Pawning something is an easier alternative in many cases. When you pawn jewelry and other items, the only risk you'll be facing is the loss of that item if you're unable to pay the loan.

For more information, contact a company like Morningstar's Jewelers & Pawnbrokers.