Okay here we go again. Topic of the day cash advances, payday loans, easy money, or what ever you want to call it you get the drift. Why people? That is my first question. Actually my only question. Do you know that you are committing financial suicide? I'm going to get right to it these quick cash facilities are ripping you a new one faster than credit card companies. They are getting filthy rich off of your money. Do you realize that you are giving your money away? Yeah I know all about it you're broke, you need money for this or for that. "My car note is due I don't want to be late, my rent is due, I don't have anything to eat, I can't pay daycare this week!" I hear you making excuses but not justifiable ones. If your car note is late then call them. Have you ever thought of that? Tell them your situation, usually they will be willing to defer two payments a year. Rent is due, talk to your renter and pay the late fee. You have ten days to make the rent payment after the due date anyway (in most places) so by then you will have gotten paid again. You're hungry!? Go to the dollar store they sell cold food now! And guess what ladies, your sorry baby daddies may actually have to do something as it relates to their child. And if that isn't the case and you both just have to work you are going to have to ask momma or grandma on either side to do you a favor. But if you both work there should be no reason why little Timmy's daycare bill isn't paid! Things happen in life I know but you have to try to pull yourself out of the hole not jump deeper in it. Cash advance places are vultures. They reel you in with lines like these:
You can get that down payment on your car!
Buy a computer!
Pay bills off!
Do whatever you want with the money just come get it! (joking that was me)
That is what they are saying and thinking. Then they make it so easy for you to get these loans. At first the standard norm was 18 years of age, valid driver's license, checking account, and current pay check stub I think. You can borrow from $50 to $1500 depending on income. That was then . Now you have it so easy they barely ask for that. Every day I past by at least ten "Donation Centers" on my way home from work. I call it that because you people are just giving your money away. I can't call it something like "Stick up Loans" because they aren't taking your money by force. You are giving it to them! I mean people please. I say this in all seriousness and I quote, "If you just want to give you're money away give it to me! Contact me! My email is in my profile. I will take you're money and I won't charge you to do it!" Are you all that gullible and naive? It's like a stranger walks up you and asks, "Hey can I hold you wallet?" And you say, "Sure here you go." Then the stranger runs off like a child would run off if he saw Barney humping one of the Teletubbies. Just wrong! (hey I don't keep up with the latest kid shows, sorry) Or maybe he ran off like he was on a blind date with a 250 pound woman who likes to cuddle and only eats salads with donuts glaze as the dressing because she's on a diet. The catch is she eats a bath tub of salads a day and has been on the diet for the last 3 years! Get outta here fat woman! Or could it be that he ran off like he just stole your money! Come on give me a break! Make this topic a hard one to write about why don't cha! All I see are advertisements that say no credit check, no account needed, no job. "You don't need any clothes to get this money. Come in here naked we'll give it to you! It's okay that you can't read or write just make a dot rrrrright here." You still don't understand well let me tell you a story about George. Wait! Okay it's cool I don't know anybody named George. Okay. George got behind on a bill, just pick a bill doesn't matter. As he was driving home he noticed a Donation Center and thought to himself "I can just borrow the money and pay it back the next time I get paid because I really have to pay this bill on time or else a sniper will be waiting for me on the roof of my building and kill me. (Sound crazy? Hey I'm just the narrator these are George's thoughts) Anyway he goes into the store and makes his mark for $300. They tell him to make a check out for $350 for the fee and they will pull it out any day he wants in two weeks. He chooses his pay date. So he gets the money, pays the bill and everybody is Tony the Tiger Grreat! Two weeks come back around so quickly and something is wrong with George's car (you know life happens like that). So he has to get that fixed to get to work. He goes back to the center and a very bright employee says, "No problem. Here's a secret you can do if you need a little extra time, and I shouldn't be telling you this." Thus introducing George to rewriting. Oh don't be bashful you know what that is. He let them take the $350 out of his account then signed off for the same exact loan and they and him the cash again. Well next two weeks roll by and George really wants to go to this concert. No money because the cash advance has come out. Oh well I'll just go and rewrite and pay them later. Do you see the pattern here people? George has voluntarily given then $150 already. For you slow people he paid $50 the first time, $50 for rewriting on behalf of the car, and $50 for rewriting on behalf of the concert, and chances are he will continue to pay them $50 for some other stupid reason. Oh by the way, he still owes them $300. Does anybody feel me? Can I get a witness? So many people get caught up in the cycle for years! It is simply crazy. Then all these problems arise like he forgot to get to the store on time and gets an NSF fee from the bank (more money), the stress and strain of this routine is wearing on him, and he really never has any money now. Finally one day the check goes through and he just gives up let them take their money and risk being late on everything else just so he can now start to think about how he's going to climb his way out of this 30 ft deep hole. He's climbing over dinosaur bones, the infamous Big Foot's remains, asking for Tom Cruise's help(lol). And for what you guys? All so he wouldn't be late on his cable bill in the beginning! OMG you have got to be kidding me George!!! Oops,I mean stupid!!! People it is not that serious. My advice to you is to STAY AWAY from the green and orange buildings. No matter how tempting or broke you think you are. It is no where near how broke and devastated you will be after you've paid $2000 so you could borrow $300. You do the math it ain't algebra.
Here is a tip for every one. Budget your finances. If you don't know how ask Dave Ramsey (don't know Dave? Google him or better yet call my boyfriend). Whoa! I'm exhausted. I don't usually speak dumb language so it was hard trying to explain all that. In all seriousness budget, budget, budget. And so what if a bill is late. Pay a $10 dollar fee rather than... Well, you get the picture!
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