Nothing is more irritating than walking up to your car and seeing a parking ticket on the windshield. We’ve all been there. The only thing worse is when the ticket is due in a few days and you don’t have the money to pay it. Then you really start to regret not paying attention to the parking signs. If you pay late you will get charged serious late fees and can even end up in court. So what do you do?Option #1: Ask the city or town for an extension or hardship waiverSome cities and towns will allow you to extend the amount of time you have to pay. Some will even will lower the amount of the ticket if you can show that you don’t have the money to pay the ticket. This is called a hardship waiver. They way to do this is different in every town and city. So, you will want to find the website for parking enforcement agency listed on your ticket and find a phone number to call. Then, ask them if there is a way to get an extension or get a hardship waiver.Option #2: Borrow money from family or friendsThe next best option is to borrow money from family or friends since they probably won’t charge you any interest. The downside here is that it is embarrassing to borrow money from friends and family. This is especially true if you have to borrow from a family member you have a strained relationship with. If you do borrow from friends or family be sure to pay them bask as soon as you can. I once borrowed money from a cousin and forgot to repay him for a few months after I said I would. There is still some tension to this day about it.Option #3: Ask your boss for an advance on your next paycheckThis is another way to get the money you need without paying any interest. Some workplaces will let employees receive their next paycheck early if the employee needs the money. It is embarrassing asking your boss for this, but it still beats paying a big late fee on your parking ticket or getting dragged in front of a judge. Be sure to ask nice and don’t get your hope up too high — many employers won’t willing to do this.Option #4: Get a Cash Advance / Payday LoanA cash advance (also known as a payday loan) is a short-term loan that you pay back on your next payday. You can get these at storefront lenders in your neighborhood, or you can get them online. As a general rule, it will make so sense to get a cash advance if you can’t use options #1 through #3 and the cost of the loan is less than the cost of the late fee for the parking ticket. For example, if the late fee on the ticket it $100 and you pay $20 interest on the loan, then it will probably make sense to get the cash advance. Be sure to check with your lender to make sure you understand the terms of your loan though.Final Thoughts
Remember that you would never have gotten a parking ticket if you did not park illegally. You should take away from the whole experience that you need to always be careful where you park and how long you leave your car there. Luckily there are ways to help you out once you’re in the position of not affording the ticket. But, the best solution to every problem is to avoid the problem in the first place.
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