TRYING TO FIGHT THE URGE!!!!

2nband, just forget that those places even exist. They have all been wiped off the face of the earth. People no longer get robbed. We all have our full paychecks. Just dont do it.
Besides do you really want to have to change your checking account again. Its a pain!!!!!

Do you have any old gold jewelry. Gold is at 900.00 plus right now. My wife sold some broken chains and a couple of pairs of earrings to get us out of a jam a couple months ago. Just a thought!

2nband I'm so sorry to hear about your dog & daughter being sick. Believe me I've shared your temptation. What comes to my mind is going through all worry I went through when I ended up getting one then all of a sudden it was 9. Then i think about all the work I had to do to get everything fixed. Closing my account, opening a new one, and you know it just wasn't worth it to me to have to go through all of that again. Please, please don't take out a loan. Take a deep breath & a step back & maybe another idea will come to your mind. I know when I was worrying & my mind was racing it was hard to see things clearly. I hope you can find the urge, however everyone will understand if you can't. No judging here. I hope I helped a little!!

The only things that I have that are gold are my wedding rings and I can't do that. I had gotten rid of what I had a long time ago. Not only that, most of the stuff I have ever gotten has not been gold.

2nband...listen to Frog. I read somewhere gold was high so I cleaned out my jewelry box and sold some broken bracelets and chains, earings, rigng settings where I lost the stone and other junk and walked out with $260.00. It was both 10k and 14k gold. You would be suprised and gold is higher now than it was when I went. Please, please do not do the pdl thing again. You have worked so hard to get where you are. I know you have do to what you have to do and I also know we will be here for you no matter what you decide to do.

I do remember all the mess things were and I really do not want to go there, but right now I am so frustrated and upset that it isn't funny. Dang it, about the time things start to look like we might be on the right track, at least for a while, crap like this happens. I just feel like we cannot ever get ahead of the game. Damnit....I just feel like screaming!!!! I am sorry for venting, but am fit to be tied right now.

Thanks Roxy...Right now I wish that I could turn my plane tickets back in, but they are not refundable, and they cannot be changed, etc. Got them on priceline and named my price, so if I don't use them, I loose the money I paid. I know if I go to TX, I am going to feel go guilty for spending the money, even though I desperatly want to see my son.

NO PDL, NO PDL, NO PLD, NO PDL,....TEMPTING...NO CAN'T DO IT....SO TEMPTING!

Don't be sorry. That's what we're here for. It's not only to help & give advice about getting out of the pdl mess, but to support when we all face crisis like this. You're right it is frustating feeling your on the right track & then things happen. Just remember what doesn't kill us will make us stronger. Keep your head held high..you'll get through this.

I should be one heck of a strong person by now! LOL Seems like one thing after another. Heck, I should be invenciable by now! Why the heck aren't I (trying to keep the sense of humor)

ha ha I feel the same way most days & I ask myself that question all the time.

I understand what it's like to be in a rut. I am getting myself out of another one! Have you thought about trying to sell any thing on ebay, or your local newspaper, or a garage sale? Would your employer give you an advance? If you have a 401K plan, have you thought about borrowing against that? Just trying to come up with some ideas. I really hope it all turns out in your favor.

The employer I work for now does not do advances on pay and 401K already has loans against them. Appreciate the ideas. We also had a yard sale a few months ago and just donated a bunch of stuff to Harbor House. Yep did the donation thing this time and now.... Just trying to stay away from looking at the sites on the "dark side". I keep telling myself how bad it was and then the little "devil" on the other shoulder reminds me how easy it was and that I really need the money and it just keeps going back and forth. Ugh!!!!!!!!!! I hate being in situations like this!!!!!!!!!!!!!!!!!!!!!! :evil:

Ok Guys, maybe I am just slow, but how do you even get another loan. After just paying the principle on mine and getting all the nasty e mails i got and the collection calls, NO ONE would ever give me another loan.

2nband, I've had to pm members and tell them to CHOP OFF MY FINGERS because I've been tempted when stuck between a rock and a hard place. I'm so sorry all this is happening to you. I'll tell you what I've done. I've sucked up my pride, put my tail between my legs and knocked on the door of one of my friend's GIRLFRIEND's door and asked to borrow money. Now, how sad is that? My friend's girlfriend! I was soooo embarrassed, but that was my only other alternative than getting a pdl again. She made good money, I knew that. I asked him first and he told me to ask her. So, like a whipped puppy, I stood on her doorstep and asked for money. She was more than happy to let me borrow. And I paid her back every week until I was paid off. Now, I don't know if you know of anyone (even someone's GIRLFRIEND! :lol: ) that you could just suck it up and ask, but if you do, it's worth a shot. I got my rent paid that month and didn't have to do a pdl. Just a thought......... And I really think we will always have that little "devil" on our shoulder whispering in our ear......

kash, you live in New York. You don't have storefronts. When you live in a state with storefronts, you can just waltz right in and take out a pay day loan within minutes. You're used to internet loans. So actually, you're lucky. You don't have the temptation of storefronts "calling your name" to come in and write a check and walk out with money in your hand. The rest of us have to close our eyes and look the other way when we pass them! :lol:

Oh I see. You guys are talking about store fronts. Yes. I am so lucky we dont have them here. I didnt realize how easy that was. The temptation must be so great. Be stong guys. You have come so far.

Thanks, kash! I'm actually kind of jealous of the states that don't have storefronts. No temptation there! Around here, Lord, I ride down the road and pass like 10 within 5 miles of me!!! And they like to send things in the mail, too. "Come and take a cash advance with us and we'll give you a loan with no interest charges!" Fun, fun, fun!

I am so sorry for this development. I wish I could wave a magic wand and make everyone's troubles go away. I know what it is like to vet bills and medical bills and sick kids. I also know that desperate feeling of not knowing what to do. Right now my problems seem minor compared to yours. I have a few "behind" bills right now but I am hoping to find a way to catch them up. I will keep you in my thoughts that you will find a way to accomplish all that you are trying to do.

Wow, we've all been there and I have to say, when it rains, it pours! And no, there are no such things as Payday Loans!!!!!!!! It's what I used to say when I was trying to stop eating ice cream. I couldn't eat it because I was allergic. One thing I do from time to time is post ads on Craig's List saying I'll do any domestic work within reason for cash. You can specify the area and what you'll do. That has worked for me. Also, 2nband, I wonder if there are military family groups that might give you a loan to go to your son's graduation. Worth a shot!

Hey Kash, Today I received an e-mail from one of my pdls offering me a loan for prefered customers for being such a great customer. This was the company that gave me two loans that I never asked for and I defaulted on. Go Figure.

2n, I know what it feels like to go two steps forward and 20,0000 back.....we all do. Hang in there. You know we will be here for you.

Roxy, they just love you. Its almost like the Nigerian lottery!!!!

I feel so special... :lol: I wish they would loose my e-mail address.

:cry: :cry: I am so sorry to hear about your daughter and your dog. I hope everyone is doing well tonight.

What a wonderful place to beable to come to and know that you will not be judged. No matter what you decide to do know that it was the best you could do for your situation at the moment. OK - now please do not take out a loan. You wouldn't walk up to a thief and say here is my hard earned money please take it. That is what these companies do. They steal your hard earned moeny. Ebay is a great idea. I have sold so much unwanted stuff and made some good money. Even if you think it is junk, someone else will want it. Old books, toys, computer parts, printers, clothes, shoes, anything you no longer need or want.

Going to see your son - do not feel guilty about this. Again, you worked hard for your money and you deserve to do this for yourself and your family. But I know how easy it is to feel guilty. I felt guilty about going to the local sub shop with my kids. (and the bill was only $20.00) But it is necessary that we take care of ourselves and that includes treating ourselves once in awhile.

And to close:

NO PDL's

I am thankful that here in NC there are not any store fronts, but the internet ones are so easy to get. I have put out some calls to some friends and unfortunatly some of them are not any better off than I am right now. Funny, they had thought about calling me! Picked my puppy up today from the vet. Poor baby looks so miserable. I feel so bad for him. Would you believe that while I was at the pharmacy picking up my daugher's other perscription, I had told the lady that was waiting on me how I had to go pick up my dog, and some jerk behind me made a comment that if it was costing so much money, why didn't I just take the dog out and shoot him and put him out of his misery. Animals were not worth that much money! I had to bite my tongue because I was already upset, and I was afraid if I got started, I would have been kicked out of the store. The girl waiting on me informed him of a few things along with a few of the customer, which made me feel a little better, but boy did I want to tell him what I thought about him and his comment. My animals are a part of my family.

Baby girl has been coughing up a lot of mucus, which is good. Better it come out then stay inside. Her temp finially broke. So that is a relief.

I did try to call the airlines tonight about my ticket. They said they understood the situation the tickets were purchased at a special price and there really was nothing they could do to refund me the money.

2nband...After all of the joy and emotion from just recently seeing your courageous son off to his career, I am so sorry to hear this is happening.

You may have posted this, but would the vet be willing to work with you on the bill?

To a point, but they want 1/2 of what we still owe now and they will take payments on the rest. Hopefully there will not be any more complications or need for more medication. Dang pet medication is expensive!!!! I'll bet we have almost $300 worth of medication here for the dog and $75 worth of medication for my girl!

Volley ~ It has been such an emotional time and I was starting to feel pretty good again looking forward to seeing him in approx 3 1/2 weeks and now all this happens. It is going to be really hard writing him and not telling him what has happened. He has enough on his plate right now as it is. Have to keep his spirits up and try to figure out what I am going to do on this end.

Lets help 2nband out. I will be the first to donate all my points......

Next!!!!!!!!!!!

My daughter is finially feeling a little better. When her fever broke, that helped. Still is on persctiotion medicine for a while. Me and the dog had a rough night liast night. I ended up sleeping on the floor until my husband came home. Poor baby whined all night so I laid with him to quiet him down and now my back is hurting and I can hardly keep my eyes open. Got my butt reamed this morning from my husband about trying to cancel my flight, but he doesn't see the whole picture as far as financess are concerned. Heck, I can't even sell my airline ticket because it is non transferable! Whee what fun I am having now. (full of sarcasim) Came very close to contacting one (pdl co) last night, but did manage not to, so far.

I am glad that your daughter is feeling better, and I am glad that you fought off your urge. You are such a strong person, and an inspiration to a lot of us here. Dont you even think of selling your ticket. You need to see your Kyle as much as you need to breathe. We are here for you.

Thanks Kash...I am trying to keep the urge at bay, but it is so tempting to give in, even though I know it will only be a temporary quick fix.

Oh, I do miss my son something terrible. He called me this past Sunday and I got to talk to him for a 1/2 hour and it was great. He was telling me about how busy he was and kind of what he has been doing, etc. I try not to cry when I am on the phone to him, but as soon as I hang up, the waterworks start. You know, if I could sell the ticket, I wouild because sometimes we have make sacrifices and dod what we have to do, so even though it would about kill me to let it go, if I had too, I would. I may end up sleeping on the street if I can't get a hotel room, but ..... See I will also end up missing 3 days work, that that won't be gooe either, so what is one suppose to do???

I would call and call the vet and tell them that you appreciate their services and would like to pay the amount set forward, but you absolutely cannot. Your dog is home, so they cannot hold him. You need to talk to the secretary or the book keeper.
I am a nurse and for the most part never took my kids to the Dr.! Bad me. I rode out a lot of things unless it appeared to be something only an antibiotic could take care of. This carries a lot of guilt. Most times, Tylenol, alternated with Motrin is the best temp. reducer. Having a humidifier in the room at all times. Resp. problems are the worst.
Do you have a TV or something you can hock? Anything that you can take out a pawn on? I know we hate to ask friends for help, but I have done so over the last few month's.
I am only on the first page of the payday loan thing and I am still litereally sick about having to come up with a way to pay them back.
Please do not put yourself in that mess again.

Great...one more thing to add to my list! My husband's clutch is going out of his truck!!! I know things happen in 3's but haven't I gone past that now! He just called me and told me about it. He thinks he can baby it for a while, but shortly will have to replace it. Then he tells me that I may have to return my plane tickets and had a fit when I told him that they were non refundable, non transferable, etc. Like we knew all this was going to happen!

My mom called me and said that she was going to see what she could do about them helping me with the hotel room, at least paying half but she said that was about all she could do because of them getting my brother's plane ticket and it turns out he has his daughter that week and they have to get her one too and figured that if they paid half, I would have to get the other half and share the room with my brother and niece, which I don't have a problem doing, but coming up with the other half. Doesn't look like we will all be able to get a room in the same hotel though, so will still need a car.

You know I am just so frustrated.... I try to be a good person and help those less fortunate and have even put up with a bunch of crap from others and try to turn the other cheek as much as possible, why is it that it seems like every time I turn around something is going wrong and those that don't give a damn and are hurtful to others, screws the systems, etc, and only care about themselves seem to always land on their feet? I have seen it happen not only to me but to other people I know. It totally sucks!!!

Ok, maybe I am feeling sorry for myself right now, because I do know that I am lucky to have the family and friends I have, but dang....why can't things go smoothly for once? It has been bad enough that I have been on an emotional rollercoast for the past few months and just when things were starting to get better, the rug gets pulled out from under me. It is like I start to get a little taste of candy and then the bully comes along and takes it away and goes down the street laughing at me. If I could throw something right now I would, but don't think it will be a wise idea here at work!

2n, I swear I live a Murphy's Law exsistnance and continually claim I would rather have no luck than the bad luck I have at times. I really do understand your frustration. I have been married to hubby for fifteen years and just now we are starting to see the light and generally when that ray of sun breaks through a big storm cloud comes and reaks havoc. It always seems like the hardworking, caring, average joe can not catch a break. I am so sorry things are so difficult for you right now. Go in the bathroom and scream or go get a roll of toilet paper and throw it all over the rest room or office. Hey... I keep a stress ball on my desk so I have something to throw. :wink:

2nband - My gosh you so totally have a right to vent right now. If anything, venting may help you get through this. I really like the idea of throwing a roll of toilet paper around the bathroom. Give it a try. It might make you feel better. Heck you might even start laughing at yourself.

I didn't get to throw the toilet paper around in the restroom...believe it or not, it was out of order!!!!!! Did go home last night, dropped my daughter off at church (she got a ride home), colored my hair, took a hot shower, ate some hotdogs, finished a 1/2 bottle of wine and then cried for about an hour feeling depressed and down in the dumps! Daughter came home and wanted me to watch the eclipse with her for a while, froze my butt off on the deck watching the moon, when it wasn't behind the clouds, finially told her we weren't really going to get to see anything and convinced her to go in the house and get ready for school, then crawled into bed, wrote my son and cried some more, (got a letter from him yesterday!), then started to go to sleep when my daughter woke me up to go back on the deck to see the eclipse because the clouds were gone. Finially got to bed around 11:00.

Know that I started filling out an application for a pdl, but stopped myself before I got too far. I have got to believe that one way or another that God is going to help me through this somehow/someway. I don't know how, but I have got to believe it anyway.

Oh my gosh....I feel like a hypocrite now! Here I am posting to help people get out of and to not take out a pdl and I am on the verge of giving in to get one! I'll bet people wonder what the heck I am doing. First saying one thing and then talking about doing the same thing I just encouraged them not to get!

For those reading this and are considering getting a pdl, you have no idea what you are getting into. With this realization of what I have been doing, I am not going to get a PDL. I do not know what is going to happen from here as far as my bills and even going to see my son graduate from the Basic Training for the AF, but I just cannot be a hypocrite about this.

Right now, I am praying that God will help come up with another way to help me out of this situation and be able to see my son.

Please forgive me on this! :cry:

2n, No need to forgive. How many times do we tell our children not to do something because we know it is bad for them or we know that it will hurt them in the long run...yet we do or did that very same thing ourselves. I know what it feels like to look at a situation and see no way out and make a really bad decision becuase of it. Many of us do. You did not get the pdl...you asked us to help you and talk you out of it. In the end, YOU found your strength and decided NO...all we did was support you. It would have been very easy for you to not tell us a thing and just go get the pdl..none of us would have ever known..but you put yourself out there and sought the support you knew you would get from the people here. I see that as a being strong and wise...certainly not hypocritical. Please do not beat yourself up over this.

Thanks Roxy....I will try not to beat myself up. I guess with everything that has gone on lately, I am just feeling at wits end and really depressed and down in the dumps. It has been really hard not to get that loan. I have applied for emergency assistance with several places, but guess what....we make too much money (before taxes), so we don't qualify. For now, I will just try to take one day at a time and see what happens and just try to keep my faith up that it will all work out.

Thanks so much for your support.

If you can hang in there, you will be getting a check from Uncle Sam around May or June.

Ok, I am not going to take out a pdl loan. I am going to do what I can. I will go out and see my son (somehow) and I have to believe that things are going to work out for us.

We did get the deferrment on the car payment, although this is the last one we can get. Just have to take in $80 to cover the interst for this month. Mom and dad said they would go ahead and pay for my room, but after I got back from TX, I would have to get them paid back since they are on a fixed budget with being retired, and I can split the payment up into 2 or 3 payments because it is going on their charge card and they don't want to have to pay a lot of interst. That just leaves me with getting a car and having extra cash for down there. Bet wants $400 and then will work with us on the rest of the bill, (have to come up with $400 right now. He needs that within the next couple of weeks, so have to see what I can do. Better than coming up with $1500 at one time. Still don't know where we are going to come up with it, but will try. But then it would be $100 a month until PIF. (my puppy is doing better. He is still just very tender and we have to keep him calm so he doesn't tear any stitches and we have to almost carry him down the steps to go outside, don't want him to fall). Daughter is finially feeling better. So anyway....just trying to take one day at a time.

Well, my situation is not getting any better so here is what I have done....No not taken out a pdl loan, but since I have not been able to transfer my 401K, I am cashing it out. I just have to get the company I left to sign off on it. I just got done talking to the investment company and they emailed me the paperwork, which I have all filled out except my husband's signature.

Oh....meant to add, they are going to withhold out of my distribution, 20% of the total for Fed taxes, 4% for state taxes and 20% of what the balance of my loan was. Hopefully that will help come next year at tax time. Won't be much that I get, and am having it Direct Deposited so I can get it faster and not have a 10 day hold on it and then I should be able to get caught up on my mortgagem pay down the vet and get what we need to fix my husband's truck. If the company I left does not take too long, I can possibly have the money before I leave and that will help to for me to be able to enjoy my trip to see my son. I am so tired of being this way. I want a life! I want to quit having to rob Peter to pay Paul and always be behind. I want a good credit score so we can refinance the house at a cheaper rate! I want to be able to send my daughter to college in a couple of years! I also want to get over being SICK! I have the "crud" that everyone else has had. I want 4:00pm to hurry and get here so I can go home!

I know...it is one of those "I want, I want, I want" days.

I know I am PDL Free now, thanks so much to the help of the ppl on this site! THANK YOU HUGGS!
To keep me from that I started a budget sheet and list all my debts and keep track of them there and i have a separate work book that list EVERY SINGLE PDL I held and what I paid them bi-weekly and what it added up to. I have another page that states PDL Now, it is ZERO,,NADA! I keep looking at that page vs the page were I had all those PDL and i keep looking at all those totals and all that money i put into them..that makes me stay away from the dark side! (PDL)!!!

That is a wonderful idea kimmy...keeps you on your toes huh..thanks to the wonderful people on this site I am finally pdl free and it is a wonderful feeling...thanks to everyone on here I would still be pulling my hair out.

Well, I am hoping things do not take too long with the 401K distribustion, plus we just had our taxes done and that will help also, We may finially be able to get caught up on most things!

Had to take my puppy back to the vet because he would not leave where his incision was alone. Even though the stitches came out and he is getting around better, he made it infected by not leaving it alone and chewing on and through the wraps. There goes another $350! It was nasty too and it smelled awful.

I told my husband when I get back from seeing our son and we get the money from taxes, etc, I was going to set things up on the banks bill pay! Even if things got paid 1/2 out of one check and 1/2 out of the other, but I was going to do that and have things set to be paid ON THE PAYDAYS, so when the balance is checked, the bills will have already gone out and we only get to use what is left. Also I am going to set things up to where so much goes intoa savings account, even if it is $10 to $20 per payday. Got to do something and I am tired of living this way!