When something goes wrong in your home, it can be a stressful and overwhelming experience. This can be even more true when you are trying to pay for a home repair when dealing with a lot of debt. Whether you’ve taken out a number of personal loans or the interest rates from your bank keep climbing, trying to pay off debt can feel like a never-ending experience where there’s no light at the end of the tunnel. And when you need a home renovation to make your living space more comfortable, you may have to get creative with how you want to pay for it.

Getting in charge of your finances can help you take care of any renovations or repairs you need in your home. But, of course, you don’t always get the luxury of a warning or specific timing. If an emergency arises, you’ll have to tap into savings or an alternative form of income to afford the needs within your home. So let’s take a look at a few of the ways you can afford your home repairs, even if you’re in debt.

1. First, look for ways to better handle your debt.

First and foremost, there is the obvious solution. Find debt relief options to help you balance out your finances and repay your lender. With a debt settlement, you can have the peace of mind that you can move forward with other financial investments, like in your home. If you’re serious about debt relief, you should look for a consultant to help you with debt forgiveness and a repayment plan. Whether you need a balance transfer or ways to pay off new debt, they can help you with your late fees, applications, and more. No matter the amount of debt you are in, you can find ways to pay it off and improve your overall financial circumstances.

2. Prioritize repairs and do them one at a time.

If you are in a lot of debt, chances are you don’t have extra money to spend. This means you’ll have to be really smart about prioritizing what repairs are necessary for your home. It can help to take things in bite-sized pieces rather than trying to fix everything all at once. For instance, you may want to start with a bathroom remodel. If you live in the central Florida area, you can check out an Orlando shower remodel to kick off your repairs in that room. Leaky faucets or bad tiles in your shower can be detrimental to your health and the relaxing time you spend showering. It can be vital that you handle your financial situation enough to start with that repair. When it comes to home renovations, just make sure you aren’t biting off more than you can chew and that you’re pacing yourself effectively.

3. Try a home equity loan or line of credit.

For homeowners paying off a mortgage, you may not realize you already have a line of credit based on your home equity. You can consider taking out a home equity loan and borrow off the capital you already own in your property. Speak to a financial consultant about refinancing your mortgage to see if you can get a little bit of extra cash that way.

4. Use a credit card.

While experts may not recommend this, you can always put a repair on a credit card. The tricky thing here is that you’re accruing more debt with this method. The goal, of course, is not to add to your worries. However, a credit card can help you out in a pinch if you need a quick repair.