POSHVICE

A lot of people are always really surprised when they find out that I’ve actually used pay day loan services before - it seems like the general consensus is that any cash advance service (other than credit cards, obviously) is too good to be true, and thus a scam. Obviously, always do your research first - a quick Google of ANY online merchant should always be a prerequisite to giving them your information, in my opinion - but know that many of these services are completely legit and employ people who actually WANT to help you. I actually got into a financial bind about a year ago (one of my pets had a violent allergic reaction to their flea medication and racked up some SERIOUS vet bills - so um, yeah, don’t ever use BioSpot, okay?) and I ended up borrowing some money from an online cash advance website. Not only did they completely save my butt, but everything was extremely straightforward and easy. Yeah, you have to pay them back the amount you borrowed plus a service fee, but in my case it wasn’t even that bad - like $15 on top of the money I’d borrowed.

I was talking to one of my friends about my experience with this, and it dawned on me that a lot of people could probably use the knowledge that not only do these kind of services exist, they actually work… and work well. Obviously, you don’t want to end up reliant on borrowing - it’s the same principle as avoiding credit card debt, don’t spend money frivolously and only borrow when it’s necessary - but if you use these services smartly and at the appropriate times, they’re fantastic. Especially for young people like me who may be in college or living check to check; if an emergency pops up and you don’t have family to bail you out, cash advance loans are seriously amazing. So I just wanted to put my experience out there, so that some of you reading who may end up in a financial scrape would know that many of these places ARE good, reliable places to turn for help when you’re in need.