Sigh. I know, we should have budgetted better. I know that, we don't need to discuss it, we have detailed plans in place and a separate bills account all ready to stop this happening again. It is based around the last landlord not giving us our deposit back unfairly (proceedings going hrough deposit protection scheme right now), benefits being slow to be paid and the fact that we are a bit rubbish and miscalculated, and also that we thought there was just about enough in there until yesterday.
BUT, tomorrow our rent will go out. Tomorrow DH will get paid. However, the rent is £595, we have £502 in our joint account and DH gets paid £88 into his personal account. We can transfer using online banking tomorrow, but a) it is likely the rent will have already bounced and b) it's still not quite enough, and with the bank holiday it's not even like we can borrow a bit of cash off relatives/raid the kids piggy banks and pay that in. The only way I can think of to get that money into the joint account before the rent goes out is a payday loan.
We have at least £1000 coming to us from the benefits and deposit we are owed, but we don't know when they will actually come (benefits are due by the 6th though) and we have another £300 coming on Friday the 6th as well, so we will be able to pay it back, and the interest is preferable to not paying it, as that would a) annoy our landlord, and we are only on a six month lease in a house where we want to stay for years and b) cost us more in fees anyway.
Still, payday loans are one of those big no-no things, aren't they?
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AIBU?
To be considering a payday loan?
34 replies
APieOfButter · 30/05/2011 16:41
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