Do you remember me from last year … and the year before…? It’s going to take a Payday Loan to thaw me out. January is the coldest month of the year in the Northern half of the planet.
I am financially frozen every January, ever since I seriously started using money, and this year is the biggest freeze ever. December was great and we really enjoyed ourselves. We went to the usual round of parties, the office, our families, then at our friends and finally at the neighbors. A good time was had by all. The wine and beer flowed, the presents made the rounds until everyone was satisfied at what they ended up with. My kids did exceptionally well from Julie and me but it cost plenty… Ever priced new bicycles for teenagers?
The office, as usual, closed between Christmas and New Year so I had a chance to catch up with the household chores and maintenance jobs and by the 30th of the month, I leaned back feeling pretty pleased with myself. I had a whopping overdraft at the bank, but December was bonus month and December 31st was bonus day and I was almost there.
No news is bad news
- Image via Wikipedia
The last day of the year passed quietly. I checked emails, collected the kids from school and generally sat around drinking coffee in front of the computer and waiting for the bonus announcement to arrive. It has done this faithfully for the past 12 years or so. It comes in the form of a joyous looking email. Another cup of coffee and more waiting. No incoming mail. Now black thoughts started invading my one-track brain. What if…? No bonus? Is that possible? But it was a very good year. Then my mind moved to possible solutions. A Payday Loan solution?
I have used this a few times before, always in the month of the anniversary of the car purchase. That’s the month they hit me with the license, the insurance and the annual service all in the same couple of weeks. I used a Payday Loan to get through that and it worked pretty well. Could I use a Payday Loan to get me through January this time?
Bad news confirmed
I was right. No bonuses for 2008. Yes, it was a record year but everything collapsed in December. Financial chaos, stock exchange melt-down, back to 1929 and all those fancy meaningless terms they harvested from the newspapers.
So I am about to apply for a Payday Loan to help settle some of the debts incurred by holiday cheer. I am sure the company will still be here at the end of January and will pay the salaries so I can re-pay the loan. What I need to check now is how much I can borrow and if I can renew it for another month on the due date so that I pay it back over more than one month.
Good news at last
Yes, the Payday Loan will help out in every way it can. They are courteous, friendly and eager to be of assistance. How nice it is to know that there is an alternative to fighting with the bank. Pity about the bonus though.
I am so thankful we have access to financial resources such as payday loans and cash advances. Without them, I’m not sure exactly how to get by when those temporary financial setbacks settle in.
Winter season is the hardest time on a budget. Besides the holiday festivities, there are so many things that must be obtained immediately such as winter tires with studs or chains, warmer clothes, enough money to keep up with the household bills, etc.
No matter how well you manage your money, anything unexpected can happen that can leave you in a desperate need of a little financial help. Fortunately, payday loans are available to help during times like this.
I think Merle Haggard had it half right. If we can make it through December AND January would be a little more accurate. The winter months are typically the hardest on the budget, and if you depend on the holidays bonus to get you through, the bonus getting canceled is a hard blow to take. It’s a good thing they haven’t outlawed payday loans yet (not for the lack of trying – thank you, bank lobbyists) because if the only recourse was overdraft or credit cards, a lot of people would get into way more trouble than they deserve.