payday loan cash advance
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Mom Seeking Info. Regarding Loans or Payday Loans
Asked by B.H. from Detroit
on December 8, 2009
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Hello,
I got this info in the mail the other day that said I was pre-qualified to receive up to $700.00 in credit/loan. I went online to check out the website and di...
Answers
- I used to work at a bank where I saw many of these types of loans overdraw peoples accounts. Here are a couple of things for you to think about: Do you have plans fo...
- Hello. This can seem like a quick and easy way to get a little cash on hand but if you pay a $45 fee over one month that is equivalent to a 180% apr!!!!!! I can't ev...
- DON'T DO IT!!!!!!!!!!!!!!! The government keeps a close eye on these places since they are such rip-offs. If you don't have the money to buy your kids Christma...
Pay Day Loan?
Asked by F.S. from Dallas
on October 4, 2010
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Anyone ever get a pay day loan? How exactly does it work? The pros/cons? What place did you go to? What do you look for? I see them everywhere so I'm wondering ab...
Answers
- don't do it if you can avoid it. they charge more than a cc would, i've never done one, and have heard nightmare stories. if you can refrain from a loan like that.
- BAD IDEA! Always. Avoid these things like the plague.
- DON'T DO IT. The best deal was 20% cost and it was due in 14 days or there was a 40% fee. They run the check through on day 14 no matter what so you better have the m...
Money Question
Asked by J.S. from Spartanburg
on October 21, 2008
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Hi Moms,
Has anyone ever had to default on a payday loan? If so has the been any legal action taken?
I have 2 and am unable to pay them at this time and it will ...
Answers
- I have not been in your shoes, but call legal aid and get some advice. They may be able to guide you, with the economy being messed up who knows what those payday loa...
- I work at a financial institution and I see these places bringing in checks to cash against our members. Heather is right it is a bad cycle to get into. If you dont ...
- Hi, You are look for an part-time job or just to replace your full-time job. GREAT ! You are hired . For your own business opportunity. ...
Debt and Deficit
Asked by J.W. from St. Louis
on August 5, 2011
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Nope doesn't have to do with the government.
Cheryl posted about financial responsibility. A few people commented that they use credit cards but don't carry a bala...
Answers
- I wrote a response to you on my cell phone, and lost the whole thing. Rather than go through what I said again, since most of what I said is already here, I just want...
- Well since you ask, the payday loan people are in the bottom of the bucket below the leeches and such. They get away with way too much and even though regulations hav...
- I think what they were really trying to say, is active credit is a good tool. Purchasing and paying it off, is not debt, but active credit...in my opinion. Actual deb...
How Can We Get Out of This Circle?
Asked by S.M. from Dallas
on February 23, 2008
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Hi ladies,
I really need help. My husband and I are in serious financial trouble. A couple of months ago, my husband was out of work for a few weeks. He has a job now...
Answers
- First, I agree with some of the previous posts--cut up those credit cards (and go a step farther--call and cancel them with the company)!!! Credit debt is not necessa...
- Oh S.. I know what you are feeling all too well. Have you seriously thought about claiming bankruptcy? It sucks and doesn't look good on the credit report either bu...
- It's been said a ton already, but I gotta say it again-DAVE RAMSEY. His total money makeover book and his talk show is a good start. I won't add anymore about his pl...
Does Anyone Do the Envelope System?
Asked by S.J. from St. Louis
on August 2, 2011
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For purchases that are not "have to's", such as groceries, clothing, fun money etc, do any of you do the envelope system where you will take a certain amount out of yo...
Answers
- That's ESSENTIALLY how our budget works. 300 for groceries 100 for my personal money 100 for my husband's personal money 50 for kiddo's school expenses ______ ...
- Alot of older people use this becuase they came up in a cash economy. They also are used to not being in debt - so when the envelope is empty there's no more money le...
- My mom does this. She especially did it when planning/paying for my wedding. Each vendor had an envelope and she'd mark payments, due dates on the outside.
We're Broke
Asked by C.B. from Kansas City
on July 25, 2008
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OKAY so we just bought a car, and had to hurt ourselves financially to come up with a down payment...long story short, now my husband's boss is out of town and has lef...
Answers
- www.daveramsey.com And SELL THE CAR! You don't NEED two cars! Get a bike, take the bus, carpool and split gas with someone. Taking out a car loan and then saying...
- I know you just bought a car, but look into taking the bus to work! It will save you a ton of money on gas and it sounds like you could really use that money elsewher...
- Hi, C.. I am sorry you are going through this, and I will be praying for you. Have you thought of getting assistance through the state? Has your husband thought of g...
Eviction...Two Kids, Pregnant and Only Have 2 Days Until Evication Help!
Asked by J.M. from Phoenix
on August 13, 2010
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Okay Momma's out there. I had this question last month about avoiding eviction and trying to make some extra money. I was unable to find anyone to let me help with cle...
Answers
- I've read some of the posts. Bottom line if you are not over 3 months late just let it roll till your hubs gets paid. Your LL has to go to court and even if he gets ...
- I'm not an expert by any means but an eviction is a legal process. You cannot be thrown out onto the street. They have to begin proceedings and I believe there is a ...
- I just want to add for others in this situation that nearly all the payday loan places in AZ have closed because they are no longer allowed to offer high-interest loan...
What Major Changes Did You Make to Be Debt Free?
Asked by M.D. from Corpus Christi
on November 11, 2010
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I have read Dave Ramsey and we "tried" it for a month or so. Then we quickly went astray without even realizing it. I really want these credit card bills gone!!!! I...
Answers
- Great question! I've never heard of Dave Ramsey until about 6 months ago on this website. I've never looked into anything he's written, workshops, etc. I had larg...
- Congratulations for trying to go debt free. You nailed it! You know exactly what needs to be done to pay off your debt. People do not realize how the teeny tiny lit...
- It not about extreme measures. It's about moderation and living within your means. If you hubby is not on board it won't work. You know what to do, your problem is yo...
In Desperate Need of Help with Rent.
Asked by A.H. from Philadelphia
on August 15, 2011
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My situation is: I lost my main source of income in May. I am in the hiring process of a job that does not start until Aug. 30. I am behind in my rent for this month a...
Answers
- First off take a deep breath. Then contact the landlord and let them know your situation! I say it soo often i'm surprised people don't get it - COMMUNICATION IS KE...
- If you need to take out a loan, don't go to a check-n-loan kind of place. Lots of banks and credit unions will loan small amounts of money at lower interest rates tha...
- I know the church that I belong to helps people out with their monthly bills, but they have to go in and ask. You also need a copy of the bill and they pay the bill d...
