No matter how hard I try, I can never sleep in on the weekends. My body is so used to getting up at 5:15am every day, no matter how late I stay up on Friday or Saturday nights, I am still up really early the following day. I was excited about the extra hour of sleep we got last night, but I was still up at 6am this morning.
It's nice being up before the kids and having some time to myself, but this morning I found myself stressing about money. No matter how much I work, there never seems to be enough money to do all the things I would love to do with the kids. I can't even think about Christmas without having a little panic attack. I have been thinking a lot about how I am going to find the money to get the kids gifts, and someone recommended
Title Loans Miami
. While I don't live in Miami Florida, I know there are title loan places close to where I live. Getting a title loan is a good option for people who can not qualify for conventional loans, or when an emergency arises and you need money right away.
I still have over a month to find some extra money, so I am not going to panic yet. At least not completely panic. I wouldn't trade the life I have right now for anything. I am happy, and my bills get paid every month. I am taking care of my kids and being the mom I have always been, which just so happens to mean I am still awesome. I am sure my kids will be happy Christmas morning no matter how much, or little, is under the tree. They know that Christmas is about more then the gifts you get. It's about God and being with family. And I have been blessed with a wonderful family who loves us.
Showing posts with label loans. Show all posts
Showing posts with label loans. Show all posts
Sunday, November 6, 2011
Wednesday, May 19, 2010
Apologies
Night before last, I was sitting here at the computer (what else is new?) when our cell phone rang. The number came up, but not a name. I answered, and a woman asked for Junior.
I asked who it was, and she gave her name. I told her Junior wasn't home, and asked if she wanted to leave a number. She said, quite rudely, that he could call the number that showed up on the caller ID. I asked what it was in reference to, and she got all pissy and said,
"it's personal".
Well, that ticked me off, so I told her that if she didn't tell me what this was in reference to, I wouldn't give Junior the message. She said, "Ma'am, this is a LOAN". I took a deep breath and told her, "look, you have no reason to get nasty with me. You call my cell phone, asking to speak to my husband, tell me it's personal when I ask what it's about" and that is when she hung up on me.
I walked outside and asked Junior (who was home...I just didn't want to get up...lazy, I know) if he knew who it was, and he did. It was a woman who works at a place we have a loan with, calling to remind Junior that we have a payment coming up. This is a place that I have spoken with numerous times on the phone. They know that I know about the loan. I have even made some of the payments.
So yesterday, Junior called her back from work, to tell her that he hasn't forgotten, and that he was going to come by after he got off. The woman who called me told him to apologize to me, because she had the "big wigs" in the office, and couldn't tell me who she was. I was a little shocked that the "big wigs" would rather hear her being rude than friendly, but whatever.
When Junior went by there after work, she was still wanting him to know how sorry she was for the way she spoke to me on the phone. I was home, and the phone rang, and caller ID showed it was the loan place.
I didn't answer.
Junior called me five minutes later from the cell, saying it was the woman calling to apologize to me herself. I kind of figured, that's why I didn't answer the phone. He told her I was probably home, just not answering, and that made her feel worse.
Oh well. Maybe next time she will think twice before being so rude to her customers.
I asked who it was, and she gave her name. I told her Junior wasn't home, and asked if she wanted to leave a number. She said, quite rudely, that he could call the number that showed up on the caller ID. I asked what it was in reference to, and she got all pissy and said,
"it's personal".
Well, that ticked me off, so I told her that if she didn't tell me what this was in reference to, I wouldn't give Junior the message. She said, "Ma'am, this is a LOAN". I took a deep breath and told her, "look, you have no reason to get nasty with me. You call my cell phone, asking to speak to my husband, tell me it's personal when I ask what it's about" and that is when she hung up on me.
I walked outside and asked Junior (who was home...I just didn't want to get up...lazy, I know) if he knew who it was, and he did. It was a woman who works at a place we have a loan with, calling to remind Junior that we have a payment coming up. This is a place that I have spoken with numerous times on the phone. They know that I know about the loan. I have even made some of the payments.
So yesterday, Junior called her back from work, to tell her that he hasn't forgotten, and that he was going to come by after he got off. The woman who called me told him to apologize to me, because she had the "big wigs" in the office, and couldn't tell me who she was. I was a little shocked that the "big wigs" would rather hear her being rude than friendly, but whatever.
When Junior went by there after work, she was still wanting him to know how sorry she was for the way she spoke to me on the phone. I was home, and the phone rang, and caller ID showed it was the loan place.
I didn't answer.
Junior called me five minutes later from the cell, saying it was the woman calling to apologize to me herself. I kind of figured, that's why I didn't answer the phone. He told her I was probably home, just not answering, and that made her feel worse.
Oh well. Maybe next time she will think twice before being so rude to her customers.
Sunday, March 7, 2010
The Bad With The Good
Ah, payday loans. The perfect option for those of us who have less than perfect credit. The only problem is, once you get caught up in the cycle of Cash Loans, sometimes it is hard to get out. My advice, and I speak from experience here, is that you only borrow what you can pay back quickly. And by quickly, I mean as fast as you possibly can. The interest on these loans can be very high, and add up quickly. Junior and I have spent way too much money paying these types of loans off, and it is money wasted that we could have spent on other things.
So, my advice, is that if you have to borrow from a payday loan place, make sure it is a reputable one. Know their fees and interest rates before signing up, and please, only borrow what you need to have. Never borrow more than you can pay back from your next check.
I know this sounds kind of negative, and I don't mean it to be. Payday loans can be very helpful when you find yourself in a tight spot financially. They are confidential, and there is virtually no waiting. There is also no credit check, so it is easy to qualify. Trust me. Junior and I have used them on more than one occasion when we had no one else to turn to. I just wish we hadn't "borrowed" as much as we did.
So, my advice, is that if you have to borrow from a payday loan place, make sure it is a reputable one. Know their fees and interest rates before signing up, and please, only borrow what you need to have. Never borrow more than you can pay back from your next check.
I know this sounds kind of negative, and I don't mean it to be. Payday loans can be very helpful when you find yourself in a tight spot financially. They are confidential, and there is virtually no waiting. There is also no credit check, so it is easy to qualify. Trust me. Junior and I have used them on more than one occasion when we had no one else to turn to. I just wish we hadn't "borrowed" as much as we did.
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loans
Tuesday, September 29, 2009
Payday Loans...The Good And The Bad
I have mixed feelings about payday loans. On one hand, they can really help you out if you find yourself in a bind between paychecks. On the other hand, if you don't pay them off immediately, you can get sucked into an endless cycle of fees, and it becomes hard to find a way out.
I speak from experience.
We have used payday loans in the past, and for the most part, if used responsibly, they can be a life saver. Last year around Christmas time, we wanted to get the kids a few more things, and Junior got paid the day after Christmas. We went and got a payday loan and were able to get the kids what they asked for. Without that loan, I don't know what we would have done.
The only problem was that we didn't pay it off right away, and ended up paying unbelievable interest. So my advice is to make sure you can pay back the entire amount with your next check. If you are looking for a payday loan, check out Accept My Cash. Like most check advance places, you receive money instantly, and there is no credit check. This makes it the perfect way for people with bad credit to get the money they need.
I speak from experience.
We have used payday loans in the past, and for the most part, if used responsibly, they can be a life saver. Last year around Christmas time, we wanted to get the kids a few more things, and Junior got paid the day after Christmas. We went and got a payday loan and were able to get the kids what they asked for. Without that loan, I don't know what we would have done.
The only problem was that we didn't pay it off right away, and ended up paying unbelievable interest. So my advice is to make sure you can pay back the entire amount with your next check. If you are looking for a payday loan, check out Accept My Cash. Like most check advance places, you receive money instantly, and there is no credit check. This makes it the perfect way for people with bad credit to get the money they need.
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loans
Wednesday, July 22, 2009
How Do You Make It From Paycheck To Paycheck?
Junior and I have experience with payday loans. In the past, they have helped us out of some sticky situations. I know there were a few years we used them to buy Christmas gifts for the kids. The key to a Payday cash advance is to pay it off as soon as you can. It's easier than ever to apply. All you do is fill out an online application, and you can know in minutes if you are approved. It's quick and confidential, and can help get you from one paycheck to the next. In today's economy, more and more people are needing assistance between paydays. Now you know where you can go to get the help you need.
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loans
Thursday, July 9, 2009
A Different Kind Of Loan
Are you a retiree? If so, did you know that you could sell a portion of your pension, which are called Pension Loans so that you can get a lump some of money? Money that you could use to put a child through college, or to take that dream vacation.
If you worked in law enforcement, you can get Police Pension Loans, which is where you can sell an eight year portion of your pension. It can cost you as little as 13 percent, and they do have minimum amounts you would need to sell. The same terms apply to a Military Pension Loan.
This can be a great alternative to credit cards and traditional loans. As a retiree, you can use this money to finally take that trip you have always dreamed about. You can buy a motor home and drive across the United States. I remember when my Grandparents did this years ago. They stopped in almost every state. When they returned from their trip, they had me organize their pictures, and my grandmother told me the story behind each one. I took those stories and printed them out on the computer, and then helped her make a beautiful scrapbook. She now has a wonderful keepsake to pass down to her grandchildren. You could make memories of your own with one of these loans.
If you worked in law enforcement, you can get Police Pension Loans, which is where you can sell an eight year portion of your pension. It can cost you as little as 13 percent, and they do have minimum amounts you would need to sell. The same terms apply to a Military Pension Loan.
This can be a great alternative to credit cards and traditional loans. As a retiree, you can use this money to finally take that trip you have always dreamed about. You can buy a motor home and drive across the United States. I remember when my Grandparents did this years ago. They stopped in almost every state. When they returned from their trip, they had me organize their pictures, and my grandmother told me the story behind each one. I took those stories and printed them out on the computer, and then helped her make a beautiful scrapbook. She now has a wonderful keepsake to pass down to her grandchildren. You could make memories of your own with one of these loans.
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loans
Thursday, June 25, 2009
Title Loans
I am thinking again about getting a real job. I go through phases where I want to go back to work, and then I have days where I enjoy staying home. About a month ago, I filled out a bunch of applications online, but I didn't get any calls for interviews. I know it is hard to find jobs these days, so I am not too optimistic about finding something. My husband's friend's wife works at a place that does Auto Title Loans, and she was going to see about getting me a job there. The only problem would be the hours I would be available to work. Ryan is not quite old enough to be in charge of Brandi for eight hours, and if I had to hire a sitter or send them to day care, I would be handing over my entire paycheck to them, so what's the point?
I do know a little about Auto Title Loans Fresno, because Junior and I have gotten one in the past. For people with not so good credit, these loans can really come in handy. You basically put your car up as collateral for a loan, and when you pay off the loan, you get the title back. It's pretty simple, actually. Auto Title Loans Hayward can assist you in getting a title loan, and you can even apply online.
I do know a little about Auto Title Loans Fresno, because Junior and I have gotten one in the past. For people with not so good credit, these loans can really come in handy. You basically put your car up as collateral for a loan, and when you pay off the loan, you get the title back. It's pretty simple, actually. Auto Title Loans Hayward can assist you in getting a title loan, and you can even apply online.
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loans
Sunday, June 7, 2009
Using Payday Loans Wisely
I admit, Junior and I have used payday loans. Sometimes there are just no other options. The key to using these types of loans is to pay them off the first chance you get. I speak from experience when I tell that it's easy to get caught in a cycle of renewing the loans, and end up paying high interest rates.
That being said, payday loans are very easy to get. You can get faxless payday loans online pretty easily. You can apply for up to $1500, and you can be approved the same day. All you need to do is answer some simple questions, and email them a few documents. This type of loan is confidential, and is perfect for those unexpected expenses that always seem to pop up when you are out of cash. Junior and I have been bad about using these loans to buy Christmas gifts for the kids. We take out a loan in the Middle of December, and then pay it off when we get our taxes back. Sure, we have to renew the loan a couple of times, but at least the kids have a good Christmas.
If you find yourself short on cash, Payday Loans can be a lifesaver. Just please remember that the interest rate is high, so only borrow what you know you can pay back immediately.
That being said, payday loans are very easy to get. You can get faxless payday loans online pretty easily. You can apply for up to $1500, and you can be approved the same day. All you need to do is answer some simple questions, and email them a few documents. This type of loan is confidential, and is perfect for those unexpected expenses that always seem to pop up when you are out of cash. Junior and I have been bad about using these loans to buy Christmas gifts for the kids. We take out a loan in the Middle of December, and then pay it off when we get our taxes back. Sure, we have to renew the loan a couple of times, but at least the kids have a good Christmas.
If you find yourself short on cash, Payday Loans can be a lifesaver. Just please remember that the interest rate is high, so only borrow what you know you can pay back immediately.
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loans
Wednesday, May 13, 2009
Faxless Payday Loans
What do you do when you need money, but payday is still a week or so away? These days, it is simple to get Pay Day Loans. You can apply online, without having to fax anything. You can be approved in as little as an hour, and have your money quickly. There are no credit checks, and it is easy to apply.
Junior and I have used No Fax Payday Loans in the past, and they are a great way to get some extra cash. My advice is only borrowing what you can easily pay back from your next paycheck. This is an easy way to get the cash you need for those unexpected expenses.
Junior and I have used No Fax Payday Loans in the past, and they are a great way to get some extra cash. My advice is only borrowing what you can easily pay back from your next paycheck. This is an easy way to get the cash you need for those unexpected expenses.
Labels:
loans
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