I am a strong believer that you pay your own way as much as you can. Don’t get me wrong, I also believe that people deserve help when times are tough. I also believe that you should not take advantage of something. I do not care if it is public assistance or credit, you should be responsible and smart. For example, my wife and I have used a Payday Loan twice in the last year. We know some folks who do it regularly. The interest is higher on such loans, because folks like us do not have the best credit.
On one occasion we needed to get the sewer line unclogged, and that cost more than we had in our checking account. We have chosen to not have any credit cards. We could get one, but it would be high interest. It also would not be for much credit. We take care of things making them last as much as possible. I have been wearing the same shirts for a long time. We drive an old car that I am often found fixing on my day off. I could not fix the sewer line.
The plumber gave me a good deal. I told him I would have the money by the time he finished the work. I got the Payday Loan fast and was able to keep my promise. The sewer line got fixed and the plumber got paid. Having the payments on the loan automatically deducted from my paycheck made it easy to pay it back. I am very happy that such a service is available. We only use them for emergencies when we do not have another recourse. Knowing that we can rely on them to get a quick loan helps us have some peace of mind when money is tight.