My oven's gone out and taken the stove with it.

Applying for an instant payday loan wasn’t my first thought when my oven went out. My first thought was “Maybe I can figure out how to fix it I checked out the oven myself, had my roommates look at it and even had a friend come over to check it out. No one could figure out how to fix it. We checked the breakers and everything else we could think of. It was time to call a professional.

Looking at the whole picture

Long story short, the cost of the repairs was bigger than my bank account balance. My next thought was “I can get by without an oven until my next paycheck.  It’s only a week.” But then I started thinking about it more. See, I don’t have a microwave. And the reason I didn’t have enough money to repair it was that I’d just spent it on grocery shopping, and I’d filled my fridge with things that I needed the oven or stove to prepare.

Don’t supersize me

So basically I was left with the option of eating out. I knew that the only way I could afford to do that was to hit up those dollar menus at fast food places. That didn’t sound like such a great option. I like to eat healthy, but to be able to afford to eat healthy food while dining out, I would have to put it on a credit card. That means I’d be paying for it for who knows how long. That’s when I started to  think about getting an instant payday loan to get my oven back in working order as soon as possible.

Time to do the math

It didn’t take long to figure out that the fees I’d pay for an instant payday loan would add up to be far less than a week of eating out for every meal. I knew that I would be able to pay back my payday loan after I got my next paycheck, so clearly I would end up saving money in the end. I’m a sucker for logic, so I decided to start researching how to get an instant payday loan.

Getting back to baking easy as pie

If I’d known how easy it would be, I probably would have just gotten the payday loan in the first place. I had heard of Personal Money Store from a friend, so I went there first. I never had to leave my computer. No faxing, no phone calls, and the online prompts walked me through everything. The terms were clear and simple. I understood what I was agreeing to. I picked the date that I’d pay back my loan, so I knew I’d be able to hold up my end of the agreement.

In about two hours, the money showed up in my bank account. That was good because I had already called the repair guy. Thanks to my instant payday loan I was able to write a check that wouldn’t bounce, and I had a healthy, inexpensive dinner, just as I’d planned.