Pay Day Loans while on Benefits?

Errata

opinions4u wrote: »

£40? Jesus.

Also my thought, when a biro and notebook would cost 50p and do the same job.

daftspore

Completely agree keepcalm.... Most of us are only a few lost paychecks away from disaster ourselves.

malkyh

Great idea with the software. The OP could take a payday loan for the 40 quid to pay for it after the trial.

DCFC79

daftspore wrote: »

Also my original post was really about the nastiness that people are extending to individuals that are down on their luck.

What nastiness exactly

nearlyrich

I really think that the perceived "nastiness" was some posters attempts to tell the OP to hang in there and not make the situation worse. Fags are seen as needed by a smoker but if you are completely broke they are not a priority, food and warmth are necessary but we did a full shop for the two of us for this week for less so it's a lot for a couple of days for one . I would have suggested borrowing a £10 off a friend half for gas half for a few basic food items and like others have said going to bed early helps when it's cold and you have no heating. Pay day loans are the work of the devil.

HappyMJ

Smoke roll ups...much cheaper than 20 for £7...or including the cost of the interest that is £10 for a packet of fags....or go to the doctor and get a nicotine replacement product. Zyban or Champix comes on prescription and you should get prescriptions for free.

rdchick

*sigh* hopefully we don't see you back here next week in a pickle because you're in the same state but now with a PDL company wanting a piece of you too...

Also, looks like daftspore is just that if he thinks a £40 piece of software is gonna help a guy with a nicotine addiction.

Good luck PNEFC, hope it all works out for you

PNEFC

Oh wow!

Thanks everybody.

Please don't fall out between each other.

It took me a lot to ask my question on here today.

I was very wary. I needed help. I've read all your posts and I hear you all.

Yesterday was my deepest darkest hour. I'd done my best for months. I was hungry. I didn't even have a slice of bread in my bread bin. I'd not eaten for three days. OK I still had fag butsI managed to recycle, but I was sick of going cold. (I've not had heat or hot water for three years in this (gratefully received) home.

I've always been able to budget.

I used to be 'normal'. I was a skilled engineer. I served my apprenticeship in the 1970's. I worked hard and loved my job.

Unfortunately, unemployment was my downfall. I just couldn't cope. So I tucked myself away in my own world and didn't cost anybody anything. That was until the last 5 years.

It was easy these last few years just hiding myself away. I managed to budget on my £69 a week. I could eat (and embarrassingly smoke), but I couldn't afford a bus to a job interview. I had to borrow a suit from my brother.

Anyway, I'm sorry for waffling.

I'd just like to thank all you posters from today. Especially a few who I've identified with. ou've really made my weekend. I've borrowed £30 for the first time in 5 years and it's really helped my depression. I'll be paying it back on Tuesday and I'll make sure I don't get in this mess again.

There's been some great posters on this thread.

I just hope the protagonists never have to experience what many have had to endure!

Thanks everyone,

Carl.

stardust-girl

Hi Carl,

Sorry to hear about your problems, I do hope they get better in the coming months and things get easier for you. I'm glad you're feeling a bit better now.

I'm currently struggling by on JSA but am fortunately in a better position in that I live with my parents (am much to old to but hey ho!) BUT I still say giving up cigarrettes was the best thing I ever did. I know it's really, really hard, but it frees you up to have that extra little bit of cash to make things slightly less tight.

I know not everybody can do this, it is so difficult sometimes (I think I was lucky when I gave up, I wasn't too stressed about other things at the time so that made it easier). But I would really recommend thinking about it in the future. Do you get free prescriptions when you are on benefits? (I haven't needed any that's why I don't know). I'm wondering if you'd be able to get some sort of nicotine withdrawal patches or whatever from the Dr. to make it easier?