Stay away from other people's money right now, even if they are offering to treat you to lunch or offering to loan you a small amount to help you out. You can trust these generous people, but you don't have to resort to taking gifts like these from them. If you need more money, a much better idea would be to nip and tuck your spending here and there. Do you really need to get fancy coffee, or will you get by with a simple cup of Joe? Tiny changes can offer big savings over time.