Are you worried about your finances? Do you find yourself anxious about the next bill or unexpected cost coming in? Unfortunately, in modern times, lots of people find themselves with money problems despite their best efforts. Luckily, there are services that can help get you well on your way to being in better financial circumstances. Here are four services you need to know about if you're currently in a financial crisis:

1. Ease The Pressure With A Quick Cash Injection

When you're living on a tight budget month-to-month, a lack of rainy day funds can mean that an expected cost can suddenly tip you into crisis mode. Nasty surprises like a broken boiler, a car problem and lump sum expenses can all take you from just coping, to seriously panicking. 

In these instances, a no-interest loan is an ideal solution. Provided by reputable companies, charitable or not-for-profit organizations, these kinds of loans can enable you to pay for that unexpected cost quickly and easily. All you need to do is make sure you pay the loan back in accordance with the repayment terms provided, and your finances will be looking better in no time. 

2. Transform Angst To Action With Good Advice 

Millions of Americans are only $400 dollars away from financial hardship at any one time. When so many people regularly struggle with money in a society, there's a recognition that support is required to help. That recognition comes in the form of free financial counseling offered by not-for-profit services and charities. By using these services you can consolidate your loans and debts, set up payment plans and organize progress payments. Having a plan that you know gets you out of debt eventually, gives you the gift of hope and a way out.

3. Use Your Rights For Assistance From Those You Owe

Did you know that you have the right to request hardship assistance if you are unable to make your bill payment? If you have been going through things that have prevented you from earning such as illness, relationship breakdown or a temporary loss of employment you have the right to ask utility creditors for help. First, you'll need to provide information about why you have been unable to pay. If they accept your reasons, you can then try and work out a reasonable repayment solution with them. The more reasonable your suggestion, the more likely they are to accept. 

4. Budget Planning Before Things Get Worse

If you can identify that your finances are going downhill before things get really bad, you're in a good position to future-proof your bank balance. There are lots of free budgeting tools available from various organizations, charities and even apps. Using a well-designed budget tool, you can account for any increase in financial demands on your household, and work out how to cut costs elsewhere to ensure the most important bills are paid. 

If there are no costs to be cut, you'll know how much more money needs to be earnt on a monthly basis. The average American has nearly $40,000 dollars of debt excluding mortgages, but you can avoid being in that position with smart budget planning. 

It is important to know that no matter how dire your financial circumstances feel, there is always a way to improve your situation. You simply need to face the issue and consider services that can help. Soon enough, you'll be feeling much more in control of your finances and feel more comfortable again.