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Sometimes You Need A Little Help

Have you even been in a pinch between paychecks where you really could use a few bucks to get you through until payday? I know we have on a few occasions and could have really used a payday loan to get us through.

It is hard to always budget and plan for everything financial in your life and sometimes things just come up where you need a few extra dollars to cover something that you can’t do without like food, clothing or gas in the car. Recently in one week we were hit with an unforeseen medical and automotive expense that really put a hurting on our pockets and made things pretty difficult financially for a few weeks. I try to do what I can to budget for these kinds of things but sometimes like they say “Crap Happens” and there isn’t a single thing you can do to avoid it.

Thankfully neither circumstance was really really serious because if so we may have been in some serious trouble. You read all the time people going broke due to unforeseen medical expenses and I am glad that we didn’t end up in that situation because I would have been devastated.

These kinds of things make me think I really need to be on top of everything because that last thing I want is for my family to be in a situation that we aren’t able to recover from.

Have you ever been in a similar kind of situation? Were you able to recover from it?

I Disclose


  1. Yes, I’ve definitely been in a financial bind before. For me I won’t do payday loans because the interest rates here are the equivalent of 150-200% so those are always out for me. Depending on what kind of bind I’m in where its a large bind like a medical bill or something small like gas or groceries, I just use cash until I’m at the end of my budget. If I might not be able to make a payment on time I’ll call the debtors I have to try to get on a payment plan which usually helps me to avoid late fees and interest fees

    Now if its the holiday season or my birthday which is during the holiday season and my budget is suffering I’ll request gift cards instead of presents to help me get through, which has really helped me a lot through the years. Or when I get an end of the year bonus I’ll buy a couple gas cards during the holiday season when there’s gift card specials and then save them for the summer because I travel more in the summer than winter. Recycling has also helped me too as well. I’ll save cans all winter and turn them in at the first sign of the spring thaw in March

    I’ve also had quite a few medical set backs this year so I’ve been leaning on dollar stores for certain purchases more than the grocery store and have been using generics a lot more.

    I agree it is hard to plan financial for all of life’s mishaps ahead of time but all you can do is the best you can 🙂

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