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Unexpected Expense - Washing Machine

5 Ways to Cope With An Unexpected Expense

An unexpected expense can be stressful and draining, even if you are in a good place financially. We have all been there – the boiler breaks in the coldest month of the year, you have a prang on the road, or there’s suddenly a new maintenance charge to pay on your flat. It is frustrating, to say the least, but these costs do not need to cause too much stress if you deal with them in the right way.

Here’s how to cope with an unexpected expense or bill without losing sleep over it!


When you are faced with a troubling bill, the default response can be to panic; you think there’s no way to pay for it! Before you panic, take a deep breath, and think about all your finances. Do you have a savings account you could dip into? Even if you are saving towards a specific goal, you could treat the withdrawal as a “loan” from your savings account – something that you could pay back when you are next able to.

Selling unwanted items

Another way to pay for an unexpected expense would be to raise some of the money yourself. Have a clear out of your wardrobe, your loft or your garage and see if there is anything that you could sell second hand. Electrical items, jewellery and musical instruments are just a few things you could sell to us here at Cash Shop, saving you the hassle of trying to sell them online. And if you have items that you don’t want to sell outright, you can try our BuyBack service – a simple way to raise quick cash without having to give up your items for good.

Cutting Back

Depending on the cost of your bill, you could raise the money simply by cutting back on a few luxuries. For example, by swapping your £5 lunch from the café at work and taking a homemade sandwich instead, and you’ll be at least £80 richer by the end of the month!


If the unexpected expense is more than you can currently afford, there is still no need to worry. Pawnbroking is the oldest and most established form of borrowing money, characterised by using a valuable item as security. If you could live without a certain piece of jewellery or watch for a few months, perhaps pawnbroking is the answer for coping with your unexpected cost.

Short Term Loan

If you do not have a valuable item to use as security for a pawn shop loan, you could consider a short term loan to help pay for your bill. A loan like this is ideal if you know you can keep up to date with the repayments – why not come and visit your local Cash Shop branch to find out more about what a short term loan entails?

We hope you feel more at ease about unexpected expenses! If you are looking for help or advice, please feel free to get in touch with us.