Stay away from other people’s money right now, even if they are offering to lend you a small amount to help you out. You can trust these generous people, but you don’t have to resort to taking gifts like these from them. If you need more money, a much better idea would be to nip and tuck your spending here and there. Do you really need fancy coffee, or can you get by with a simple cup of joe? Tiny changes can add up to big savings over time.