It is simple to get payday loans nowadays if you have all the necessary papers and are more than 18 years old. You can do it online by surfing the web and making an application, but think twice before taking this step. Ask yourself whether you really need that thing or service right now. Here is the list of 4 cases when you shouldn’t get in debts. According to statistics, people make purchases by succumbing minute requests and often regret afterwards.
Case #1. Great Discounts for Clothes, Footwear, Cosmetics, Jewelry, Accessories, Entertainment, etc.
Don’t think that sellers and producers are really interested in satisfying your needs at a low price. They intend to market you as many goods as possible in all available ways: discounts, bonuses, sales, promotions like two goods at one price, etc. The thing is that they use all these marketing strategies to make you think that you need that dress, necklace or pair of boots right now and you will not survive without it. Payday loan lenders know that humans have a thing for cheap goods and services. Therefore, people are hooked so easily. If you make simple calculations, you will see that the interests are rather high and you even overpay for things you buy. But this plea is forceless when a woman or a man is obsessed with an idea of buying something at the moment because it seems to cost almost nothing.
Case #2. When You don’t Hold Strong Positions at Work
Nobody can predict a job loss. Of course, some events may become main reasons of dismissal and one can be sure of unpleasant consequences when these events have happened. But if you work well and get no reprimands, it may mean that you have a firm position. Nevertheless, it cannot become a motive to think that you can spend all your salary without thinking about future and even take credits. Instant loans become an alluring thing when you have a regular salary. Before you turn to payday loans no brokers or to other services that can lend you a certain sum of money, analyze your work positions. Only if you are sure that you will not be fired tomorrow, you can take same day loans.
Case #3. At your Friends’ Request
Like all the human beings you have close friends. You trust them and help in the hour of need. Lending money is a common thing among people who spend much time together and have something in common. When one of your friends gets in trouble, you surely help him. But it is strongly recommended by leading specialists in phycology and marketing not to take payday loans or other types of credits for your friends. There is no guarantee that the person you want to help doesn’t have secrets from you. He may have a big debt (so he couldn’t get a payday loan because of bad credit score) and you will give him money to cover only part of his debt. So, you cannot count on quick money back. It causes certain discomfort to you as the interests rises and the credit should be paid. You can to take small payday loans direct lenders if you are sure that the friend of yours will not run away or deceive you.
Case #4. Tinsel and Pomposity
You are going to meet your former classmates, you have a big party and everyone will look gorgeous. Unfortunately, you cannot tell that your salary is high and you wear expensive clothes. So, you go to the nearest bank or office that supplies with payday loans no credit check same day. Stop! It isn’t worth doing such a thing because all this trumpery doesn’t cost money that you want to borrow and spend. You will look great at night and someone will even envy you but the problem remains and you will think about it every day until pay all money back. Find another solution that will not empty your wallet. Ask friends to borrow a suit or a dress for a night, rent the attire you like (it is much cheaper than buy) or use your imaginations and skills to create something by your own.
There are at least dozen more cases when you shouldn’t take payday loans, but these four are the most wide-spread. They often become the reason why people cannot make both ends meet. Don’t repeat mistakes of other people. Have a good head on your shoulders.