Getting paid once a month is usually not a big deal. I work at a local university and they pay everyone that way. Although I make fairly decent money I budget, I pay my bills on time and I don't over spend...usually. Sadly enough for me when I saw those designer shoes in the store window they spoke a language that only my wallet could answer. I simply couldn't wait to wear them. I even boasted to my girls that it was the best $578.56 that I had ever spent. I deemed them my lucky shoes and wore them with pride.
It seemed like a total twist of sick irony that I would be wearing them when my car was hit. Of course as fate would have it my mortgage was also due in a week. I sat at my kitchen table contemplating life and giving my once treasured shoes the evil eye when I heard a noise that could have only been two things, a farm animal in pain or the dishwasher acting up again. To my dismay, but not my surprise the dishwasher was leaking dirty dish water all over the kitchen floor.
Of course in my haste to turn it off I twisted my ankle; my feet had been sore and my ankles a bit strained by the height of my new lucky shoes. Hobbling and saying about every curse word I ever knew I made my way to the bathroom to retrieve my ace bandage. On my way back to the kitchen table to continue my thought process I had several ideas come to mind. Robbing a bank was quickly crossed off the list and I moved on to more sensible solutions. I could ask my parents for a loan but I had been so proud of doing things on my own, this idea I also quickly rejected. I already knew I couldn't ask one of my girls, not after the bragging I had done about the price of my shoes. My check book lay open and after some calculations and thinking I realized the rotten truth, I was short about 700.00. With pay week being two more weeks away I was at a loss.
Typically in these situations I pace the floor until I can come up with an idea that makes sense. Sadly with my foot elevated and covered with a bag of frozen peas, pacing was not on the list of choices. So I defaulted to doing something mindless, checking my email. I had a few more days to figure something out, besides I had been in tough spots before.
Then that's when I saw it, the potential answers to my problems...a pay day loan. Clicking the link I was hoping that this would indeed be the answer that I was looking for, quickly I read through my options and the requirements. I could get up to $1500.00 over night and though I knew I wouldn't need that much I was grateful that I at least had a way out of the whirl wind of financial troubles that had become my world. In celebration stuck my tongue out at the dishwasher.
The next thought I had was having to leave the house in the condition I was in but, then the words 100% on line caught my eyes and both my ankle and I relaxed again. I wouldn't even have to hobble to the fax machine. Suddenly it all felt too easy, too good to be true; just fill out this on line form and in 24 hours I'd have the money I need in my checking account? With a sweaty brow and trembling fingers I read on. Scrolling down the page I quickly learned that all I needed was proof of income and a bank account. There wasn't even a credit check needed. I'd have a fee of $8.00 for every $100.00 I needed and I had 30 days to pay it back. I already knew this wouldn't a problem pay day was only two weeks away. After some quick math and another glimpse at the the FAQ's I filled out all of the required information and I was back in the black.
It's been about six weeks since the drama I had. The pay day loan that saved me is paid and everything is as it should be and better. I have to say that over all it was a learning experience. I certainly don't over extend myself anymore but in case I do, or if emergencies happen, I know I have some options to get my over a rough patch. The best part is that my unlucky shoes are lucky again. If it weren't for them I wouldn't have learned about payday loans. I also wouldn't have had to go to the Dr to have my ankle looked at where I ran in to the most wonderful guy.
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