It’s rare to go through life without saying “I need money”. If that’s where you are right now, read on for some ideas about how to get the money you need!

Because the Internet is full of sketchy ideas and shady propositions, the NeedMoney.com crew have compiled some of the best legitimate solutions to the ageless “I need money” dilemma. These should go a long way to getting you headed in the right direction.

1: I Need Money to go to School
This is an easy one. Governments are eager to help you further your education. If they can’t or won’t help, banks will usually consider education loans to be good risk. Check with your school’s Financial Aid department for resources.

2: I Need Money to Buy a Car
Unsurprisingly, what you need here is an auto loan. That’ll mean being careful about how you manage your budget—people can get themselves into awkward situations easily with auto loans. It does mean you will owe more than your auto is worth, possibly a lot more, and it’s hard to get yourself out of a situation once you’ve fallen behind with the payments.

3: I Need Money to Buy a House
Start reading up about mortgages. Go slowly, read forums, talk to experts. You’ll soon find out how to get the best mortgage for you, or what you need to do first to make it happen.

4: I Need Money to Fund my Business
A good entrepreneur can accomplish anything, given the right funding. If banks won’t lend directly to the business, you’ll have to get creative—perhaps try personally guaranteeing the loan. Better yet, build your business credit so your venture can borrow on its own.

5: I Need Money to Pay Other Debts
You’ll want to investigate debt consolidation programs. Of course, these only shift debt, not eliminate it. Nevertheless they can help by reducing overall interest.

6: I Need Money for Home Improvement
A lot of homeowners use home equity loans to fund home improvement projects. It’s a good way to get the large amount of money you require at a decent rate. To buy or refinance and make improvements at the same time, consider a government backed loan.

7: I Need Money to Avoid Foreclosure
Before you borrow more, know the alternatives. You may be able to participate in a debt workout program with your lender. Lenders will prefer to work with you and avoid the foreclosure process as well.

8: None of these, but I still Need Money!
Whatever it is you want to buy, there’s a good chance you can borrow for it somehow. If you’re really desperate, and the money’s only required for a short period, you might want to try a payday loan–these guys will let you apply for one online immediately, with no faxing or paper documents required.  Person to person lending, also known as P2P or peer to peer lending, may also be a solution for you.

Hope some of these options can help get you thinking in the right direction. How about your experiences? Let us know!