cash advance
Added on Jun, 27 2008 at 2:01 PM by Sarah
Finances have been really tight of late. I am working and I had some money saved, but it always seems to go so quickly on this and that. I just checked my bank statement and realized that I am down to a hundred bucks in my savings account and with rent due next week, I just am not sure how I am going to swing it. I mean my next paycheck will cover the rent, but somehow it always seems that I can't make enough money to make ends meet. I may be stuck going to take out a payday advance. I hate doing this because it seems that once I start taking them, I have trouble breaking the cycle. Twice now I have gotten them paid off for a few months, but then I wind up back borrowing from them again. I know this is probably a sign that either I am spending frivolously or that I don't make enough to cover all my expenses. I think that it may be a combination of both. I find that using my credit card to take a cash advance always seems to get me in trouble, but even doing a check advance doesn't really find me to be anymore disciplined. I think that perhaps I need to learn some money management skills, but I am not really sure why some people have no trouble handling their finances and I am constantly left wondering where did my money go.
I have been told to write down what I spend but that does not even really help me. I think that perhaps I need to turn the money management over to my husband, but I really hate to do that because he is a total cheapskate and then I know he will be looking at every dime I spend. I don't think that I overspend, but with kids and household expenses and stuff, the money just goes. It doesn't help that right now my husband is not making much money either. This is a really big issue in our lives. I know that he has really been trying to find a better job with benefits etc, but it has been very difficult. I am not sure if it is because of the economy or because of his age, or a combination of them both, but I really am afraid that if I take a payday loan now, that I really won't be able to pay it back in a few weeks. I am not sure what to do.