A few months ago I had to get some money fast to get a new clothes washer. I did not have any credit cards, and we do a lot of laundry as a family. Going to a laundromat once per week is not something I could tolerate. There would be too much laundry to do and it would cost too much. I chose to put the money toward paying back a short-term loan I got with an online payday advance provider. I just worked some overtime and paid the loan back rather fast. I was very happy they were there for me when we needed the washer.
It was only a few weeks ago that we ended up needing a new clothes dryer. I went back to the same online payday advance provider I used before. My wife and I have three kids. We both work. One child works delivering newspapers and cutting grass. However, we still have difficulty saving any money for things like this that can pop up. We do not have stellar credit to get credit cards or a bank loan. However, we still need to replace important things and make repairs as needed. That is the only time I use these payday advances. I also pay them back as fast as possible.
When we have a problem that is developing slowly, I ask about overtime at work. If the thing lasts until I get an overtime check or two in, then that is great. However, sometimes things break and need repaired or replaced suddenly. That is the time I use a payday loan, but only if we cannot wait for the broken item to be repaired or replaced. I have also used a payday loan to pay for a emergency dental visit for one of our kids and even for a vet bill for our dog.