A friend of mine I helped get hired just went through this. Without divulging details about his life, he saw he could just barely make it on salary and eating into savings, but was worried about some unexpected things that may come up. We have the same bank and I suggested a home equity line of credit since they have good terms. Now he has access to a large sum of money if he really needs it, otherwise they just tighten their belts a bit.

There are always options if the juice is worth the squeeze.