When you really need the money and there is no other way out. Don’t forget you are not chained to your debt relief plan. You may have to be flexible some times and realize you my have setbacks.

Here are a couple setbacks solutions you may need:
It is distasteful but putting a buster on a credit card may be your only way out.  I have a card with enough space on it to use in an emergency so I could use it to survive and pay for a budget buster.
I don’t have this enough equity  yet to cover budget bumpers let alone budget busters but if you have equity in your home get a home equity line of credit and just leave it there open and unused. If losing your job is the potential budget buster make sure you apply and get approved while you’re still employed.  Maybe this can be part of your plan.

If you decide to use either of these options be sure to get back on track as soon as possible

Later.

John the Debt-addled Dude