Holly asked:


Ok, I’m 24 years old. I’ve never had a credit card, by choice. I’ve been trying to keep my debt down so that when I’m married and start a family we won’t be drowning in debt. I’ve made it fine until now.

I’m in a position where I need at least $300 (preferably more) FAST. I have no one who I can turn to and ask for the money. And it’s for rent, so obviously you can see that it’s important. I have a job but I don’t start it for a couple of days. So I know I won’t get my first check in time to cover these expenses.

Basically I’m brainstorming how I can come up with this money in the way that will cause the least financial trouble down the road. The only ideas I have come up with are to either:

a) use a credit card, or
b) payday loan.

I am scared of payday loans, even though I have friends who have gotten then and said it wasn’t that bad. I’m also scared of credit though, because I’m not an expert in it. And I’m not sure how it would work if I charged $300 so soon.
Please give reasoning. It would be greatly appreciated. The second person said “Do NOT pay your rent with your credit card.” But darling, you gave no reason and I’d like to know why. I am only talking about $300. Is that really so bad?
It’s already late. My landlords already been understanding. And they haven’t been evil about it (yet). They seem like nice people, but I don’t want to try their patience. I have paid a small amount on this month’s rent, but haven’t been able to pay the rest yes. It’s already almost 2 weeks late.

Guy

divinemadness asked:


my payroll dept screwed up my paycheck. i wont be getting it until 3 weeks now and i need to pay my rent by the 1st. i need a small payday loan cash advance.. whats the best company to do so??? i know nothing about these… any experiences would be wonderful..

Daren

Tashiie_baYbiZZ asked:


I am a full-time struggling college student going on her 2nd year.I am employed, but I don’t make enough sometimes to pay my bills. My father helps me out when he can, and my mother is unemployed, so mostly I take care of myself. I am in desparate need for money right now, and I seem to have no other options. My rent is due and I am overdrafted in my account by $200. I tried looking for loans, but I never get approved. I also have 4 payday loans that I just can’t simply pay off. Is there a way for me to recieve some fast cash so that I can pay my rent and take care of my loans? anyone with suggestions please let me know!
I know that payday loans are also not good to have, my father told me to never get one but I was desparate for money. I do recieve financial aid, which I will be getting in about 2 weeks, and I do have 2 other roomates, I just need to pay my half of the rent.I always paid my bills on time, I just got caught up with these paydays loans, they took all my money.Once I get my fianancial aid, I’m going to pay them off, and never deal with them again. I can’t move back home because both of my parents lives out of state from me. I really appreciate all of the advice people are giving me..any more suggestions will be helpful!

Kraig

kirkallen68 asked:


Every time i apply for a loan my credit drops it was over 600 my problem is that i have 16 accounts but all are current but not for long if i cant get the help. x-wife decided 2 go through the state for child support and irs is garnishing me 10% of my gross salary. I really need to consolidate my bills and could really use 6k. I have verifiable income of 48k for last year and i’m expected to be at 52 to 60k this year. but everything hit me at same time including back child support which i owed $1170.00 and they took 475 out of my last check and their taking $511.00 out of this one. which is not going to leave me to take care of any bills but my rent and my interest on a payday loan. I’ve been working too hard trying to better my credit i will do whatever it takes to get out of this little hole that ive dug. I can get that 60 points back pretty quick i just dont want any bad marks or late payments on my credit anymore. I would really appreciate your feed back. thank -you I hope

Mitchel