For those of you without checking accounts...
Date: Sat, 05/27/2006 - 11:41
You can always go to wal-mart..But there's a fee, and I think yo
You can always go to wal-mart..But there's a fee, and I think your check has to be less than $400 or something like that...You can also cash at the bank the check is drawn on, I think most banks charge a fee for that now too, if you're not a customer. You could always just have a savings account, that way you could build interest and not have to pay fees...Also, I don't think most online payday lenders accept savings accounts.
or you don't have to punish yourself, and you can have an accoun
or you don't have to punish yourself, and you can have an account, at a different bank,you just have to resolve that you are not going to do the pay day loan game any more.
I'm not trying to punish myself. I just want to be able to have
I'm not trying to punish myself. I just want to be able to have control. If I didn't have a checking account I would not be tempted again to do payday loans. The problem is that I have obsessive compulsive disorder and depression and I overspend beyond my means. Once I do that I run out of money and then turn to payday loans to get me by. This has got to stop though. I am tired of living or not living from paycheck to paycheck. I am always worried about money or lack of money. I am scared all the time.
Clay's right..Don't sell yourself short..You can beat it.
Clay's right..Don't sell yourself short..You can beat it.
I may have come across a bit, snotty? and I really didn't mean t
I may have come across a bit, snotty? and I really didn't mean to. While you have your issues to contend with (re: depression, etc) you also know that you don't want to have the problems anymore. and now you have found a great community to help support you and keep you on the right track.
IF you feel you can't (for lack of a better word) "trust" yourself, then maybe you are on the right path. But is important to remember that many places that will cash checks also want part of that check money up front in the form of fees. You work hard for that money and you should consider long and hard before trade one situation for another that still costs you extra (albeit) less money.
I have heard that e-trade bank will let you open an account even if you have had some problems in the past. The draw back here is this is an Internet bank, and you can't just go down to the branch to straighten out any problems you have. Also I am sure you would need to have direct deposit,and I don't know how you would handle any other incidental deposits you wanted to make, but it may be an alternative for you to check into.
Another possibility could be a employer or community credit union. Some credit unions may offer a signature loan (for when times are tight) with a payroll deduction requirement for the monthly payments. I have done this with my credit union at work, and the interest rates are much more reasonable than any PDL, and since its a payroll deduct you don't have to to worry about paying on time (if that is an option for you)
i didn't think you sounded snotty..I think you sounded supportiv
i didn't think you sounded snotty..I think you sounded supportive, Clay.
I don't think you sounded snotty at all. I just wanted to make i
I don't think you sounded snotty at all. I just wanted to make it clear that I am not punishing myself. I do appreciate everyones suggestions.
I use Etrade bank for one of my checking accounts. The one that
I use Etrade bank for one of my checking accounts. The one that NO ONE has...I kept my old PDL one open for my collectors that I'm paying off. I keep enough in my old one to cover my collection accounts that I'm paying and the balance goes in my etrade.
It's a $100 minimum deposit, no minimum balance...$10 fee each month since my balance is under $1,000 currently. :(
But Kblu--They do have savings accounts on there as well. If you had your checks direct deposited there, you could pull out what you need from an ATM..That's much safer than carrying around cash all the time.
I've also noticed that if I have CASH in my pocket, it's so easy for me to spend it..I'm dangerous with money in my pocket.