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2 Bumps

Need a little help financially... maybe one of you ladies knows what I should do **Please Help**

Here is the situation:

Dh is currently looking for another job because the one he was at he literraly was making no money, we actually owe THEM money. For almost 2 weeks he sat and did nothing, there fore he made NO money.

Rent is due by the 3rd, light bill is due as of yesterday and we live in a very small town so jobs are limited. Dh was going to look for a job in the closest big town but its 1 1/2 away. At this point even if he were to find a job there, we dont have the money for gas to make that trip every day.

The chances of finding a job he's qualified for in our town are slim to none.

So dh was thinking of getting a payday loan to tide us over until taxes, then we could catch up. The problem is... the people who did our taxes owe US money and thats still pending so even if we get the w2 in the mail, if we file the IRS will hold that money.

Because he isnt even making money at the job he's at, if we get the payday loan, won't they require us to pay it back like the next week?

We have 60 bucks to our name. What would you all do?

Please don't bash me or anything i'm really lost right now.


Asked by Anonymous at 11:40 AM on Jan. 26, 2011 in Money & Work

This question is closed.
Answers (6)
  • I would pawn everything off that I could, and ask family for help. Apply for food stamps so your kids are fed, and medicare in case your kids get sick. Turn off cable and internet.

    Answer by usdragonflies at 11:49 AM on Jan. 26, 2011

  • I'd say get on craigslist and post some things for sale. Clothes, furniture you don't need/want/use, books, anything. Also tell him to get on craigslist and start sending resumes to anywhere in your area. See if he qualifies for any of the telecommute positions. Also tell him to look in "gigs". You could help by also getting on craigslist and posting his skills in the services section. Other than that I would say take some things to the nearest pawn shop.

    I have been exactly where you are before and its scary. But you can't let that keep you from doing a lot of little things that can lead to an opportunity or to tide you over. Tell him he really shouldn't get off the computer from craigslist until he has responded to every recent posting that he even remotely qualifies for.

    Answer by meandrphoto at 11:52 AM on Jan. 26, 2011

  • The one thing you didn't mention was if you had a job? You may have to get a job too, if you don't have one. Don't get a payday loan, the interested is 500%!!! It has to be paid by the next payday and you have to bring in current paystubs to show your income and a bank statement. I agree, go to the PA office and get whatever help you can get. And get a job yourself. You may have to look for work somewhere else and move.

    Answer by tyfry7496 at 11:56 AM on Jan. 26, 2011

  • Payday loans are dangerous. Contact local social services agencies (look in the yellow pages)

    Answer by rkoloms at 1:53 PM on Jan. 26, 2011

  • Payday loans are very dangerous. They seem like they're going to help you just tide things over, but in the end they seem to pull people under more often than not. I agree with what others have said about starting to sell off whatever you can to get cash. There are often pools of money to help people pay their utilities bills. Call your utility company and ask what types of assistance programs they have. Also, make sure that you apply for food stamps (and WIC if you're currently pregnant or have a baby).

    I don't understand your tax situation? How could somebody do your taxes without your W2? Don't get one of those express refund loans---you don't get your whole refund that way, though you do get some money in hand sooner than if you waited to get it the normal way.

    Answer by evwsquared at 3:22 PM on Jan. 26, 2011

  • He'll have to have a job in order to get a payday loan. And even if he did, it's still not worth it.

    Start talking to churches and other charities about getting help with rent, utilities etc.

    Get on a written budget and cut out all non-essentials. When you do get your tax refund, you'll want to keep rent, utilities, food, insurance, and fuel covered. Everything else can wait.

    I'm so sorry you are going through this. I hope things get better for you soon.

    Answer by Erica_Smerica at 6:28 PM on Jan. 26, 2011