Turn to God, not banks, credit unions, and finance companies when you face a financial need. Instant credit robs God of an opportunity to answer prayers. Lack of provision could mean that God wants you to do without for a while. If so, accept it as from the Lord. God's discipline of delay is circumvented when you get ahead of God's plan for supplying your needs.
Most families are unaware of the money they waste on nonessential items and services.
If they sincerely want to, a family can reduce spending on food, utilities, furniture, appliances, gifts, car expenses, clothing, vacations, and recreation. The issue is not the ability to reduce spending, but the determination to do so. This can serve as a guide as a family makes the initial steps to get finances under control. A number of good books have been written which contain excellent cost-cutting ideas. Check with your local Christian bookstore.