I need a small payday advance to make it Thursday (min. $50). I don't have any credit I can use and no EF. What do I do?

Y'all, I've never been in such a worse spot as I am today with my finances. I don't know what happened this month but it sent me into the hole almost $400 and with my EF being drained, my wife out of town not working, I don't have cash for an important purchase I need to make. I've never felt so broke in my life. But I absolutely need to get steel-toed boots before tomorrow for work. There was an issue at work that came up, idiot me didn't have mine, and I'm pretty certain my boss is going to chew me out tomorrow if I don't show up with them.  I'm already beating myself up over that and then the financial aspect just has me in an uproar. 

What do I do y'all? 

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  • Can you try and borrow some for work tomorrow until you can get back on your feet?

    Like 2
      • Nathan Dowlen
      • Pianist, Chemical Operator
      • natekittycat
      • 3 wk ago
      • 3
      • Reported - view

      Orange Cheetah Mom is going to send me some cash tonight. I'll end up working for it this weekend and taking care of whatever they need done around the house. Which could be anything from cleaning gutters to mowing the lawn. 

      Like 3
  • It's not an ideal situation, but if you have direct deposit you can use an app called Earnin to get some of your paycheck sooner. It's then debited from your account once the actual paycheck hits, but unlike with predatory payday loans there is no interest charged. However, I do believe that you have to have had the app for a while before you can request funds. So I don't know how much it would help you right now, but it might be an option for in the future until you can manage to get to the point where you are no longer paycheck to paycheck. I used it once or twice when I was first starting out with YNAB and didn't have any savings or much of a cushion. 

    Since you are in a time crunch, you might try asking some trusted friends if they can either help contribute to your boots or let you borrow a pair. Also, if it's a necessary work-related expense, you might be able to explain the situation to your boss and see if there's a way to get the advance and have the cost of the boots taken out of your upcoming paycheck . Ideally the company would pay for your boots since they are PPE and you need them for your job, but I know that doesn't always happen. Good luck and I hope you find a solution. Keep us posted!

    Like 1
      • Nathan Dowlen
      • Pianist, Chemical Operator
      • natekittycat
      • 3 wk ago
      • 4
      • Reported - view

      Violet Rain They are going to reimburse me. But it'll drain my checking account... I told my wife that I never want to be in this position again. This has not been a financially friendly month for us at all. But we'll be ahead of the game in no time. 

      Like 4
  • Violet Rain said:
    explain the situation to your boss

     Also, I'd try to do that ahead of time. Like right now.

    It gives the boss a chance to help think of solution without being put on the spot. If the boss thinks your time will be spent on certain project tomorrow, but it is instead spent trying to problem-solve the boots, it won't help matters. 

    It can be a tough phone call to make, but try saying things like "I'm coming to you for some help/advice. ...been working on trying to find a way to fulfill the safety requirements because I know it's important to maintain safety protocols as well as efficiency by being prepared at work... However, I'm in a rough spot (details up to you, I'd keep it brief). Do you have any suggestions for how I can be properly prepared for tomorrow?"

    I've found a frank and honest manner works best. Even if the actual interaction doesn't necessarily improve (you said it would be bad anyways), you can hold your head up knowing that *in this moment* you did the best thing you could. 

    Like 2
    • Regarding the whole financial situation, it seems like you're beating yourself up over it.

      Maybe you did make some mistakes. Everyone does. So what? Pick yourself up and try again. You can do it.

      Maybe things haven't been at 100% optimization 24/7 in terms of money, time, decisions, whatever. I think more and more that such an expectation is unreasonable. 

      I know you've been put in a tough situation because of the economic impact of the last year or so. That doesn't mean you're a bad person.

      Reach out for help. You can also ask your church office (or another denomination, if your church can't help). People want to help. There is no shame in needing help, and later in life you'll be able to help someone else, knowing what it means to them. 

      Keep your connection to people active. Start new connections. You are worth it. 

       

      Also, Congratulations to you and your wife! 

      Be kind to yourself. Do a solid warm up and play through an etude or short piece as a reward for calling your boss today. 😉

      I am going to swallow my own medicine and do the thing I've been turning away from... Let us know how it goes for you. 

      Like 3
      • Nathan Dowlen
      • Pianist, Chemical Operator
      • natekittycat
      • 3 wk ago
      • 2
      • Reported - view

      Move Light Sound Life I brought it up and he led me to another resource. I feel bad for not asking about what to do earlier. I was foolish. Definitely learned my lesson, we talked about it today and he told me "You can fix this. However, beware, some companies will actually fire you for mistakes like that with PPE. You have to be smart. Consider it a warning but do the right thing?" 

      I'll be able to get them tonight. I hate that I've been so negligent and that doesn't speak highly of myself in regards to a job that I enjoy. But I'm reluctant that I have a job that is understanding. I learned my lesson. 

      Like 2
      • Nathan Dowlen
      • Pianist, Chemical Operator
      • natekittycat
      • 3 wk ago
      • 3
      • Reported - view

      Move Light Sound Life I told myself today that I'm going to let today be my wakeup call for the future and commit to change. I've had a few over the years but this needs to be the one. I need this job. If I lost it, I'd feel like I'd failed my wife. We were talking about it earlier today. I've always been negative toward myself and I have not in about two years. She's slowly brought that happiness back and she encourages me a lot. I'm grateful she's there! I want our marriage to be happy and not financially burdened. She might be getting a good job soon at my own work and I really hope that she gets the job. She's good at what she does and seeing it happen would be incredible. We'll break the cycle and get ahead. We managed to during COVID for a little bit and then life hit again hard so I know we can do anything we set our mind to. When I get off, I'm going to do what I need for work and then go home, play the piano, take a bite to eat for dinner, and sleep. lol I'll get there. I definitely feel better. I don't know why I took things as hard as I did?  I need to find ways to rebuild my self-esteem and confidence. 

      Like 3
  • Borrowing money from a friend or family member is probably the fastest way to go, if you really need to make it happen. Since you need it overnight that really puts a time crunch on things that make it difficult.
    No sense in beating yourself up for it, it won't help the situation any (and will likely make it that much worse).
    Who do you know that you can ask for some money?
    Is there someone you know that you could borrow shoes from?
    If you are on social media, is there a local "buy nothing" group that you could post to and ask if someone has a pair they don't need? (My BF tends to keep his older pairs to use in the yard when they get too gross, and then gets his company to order him new ones)
    Nextdoor.com is also another locally oriented networking website, might be worth getting on there and posting to see if someone has an old pair they don't need.

    Where there is a will, there is a way. Ask God/universe/spirit/flying spaghetti monster for help. Really, just put your need out there into the ether and then stay open to opportunities. You have no idea how the world might be working in your favor, but if you won't see it if you're too busy stuck in the problem.

    Keep us posted on your progress!

    Like 3
      • Nathan Dowlen
      • Pianist, Chemical Operator
      • natekittycat
      • 3 wk ago
      • 3
      • Reported - view

      farfromtheusual I'm lucky that I have such amazing parents. Mom sent me cash and I told her I found out that my company will reimburse me as soon as they have the receipt. So as soon as I have it done and set aside, I'm going to give mom the cash right on back from my company. It's a win-win. I told my mom that I'll probably slave away Friday and do whatever they need done around the house which is probably mowing the lawn and such.  I have an EXTREMELY busy weekend to do that, but I'll do that as a way of saying thank you. I hate owing cash to loved ones and I know my parents don't have much either. 

      Like 3
  • A few other ideas:

    If you are a member of a union, check what's available to you in union resources.

    If you are a member of a church with outreach programs, check with your pastor.

    Some cities have nonprofit organizations, like Vancouver's Give Unemployment the Boot, that provide working gear to the underemployed and unemployed. Try googling the following word combinations -- <your city>, unemployed, working gear -- and see if something pops up. Try the YMCA or YWCA if a Google search doesn't find anything near you.

    Like 3
      • Nathan Dowlen
      • Pianist, Chemical Operator
      • natekittycat
      • 3 wk ago
      • 2
      • Reported - view

      HappyDance It looks like my company has a reimbursement so I won't feel the crunch so bad. I did get a loan of a few bucks and I'll just send it right back to them. 

      Like 2
  • Nathan Dowlen

    I have definitely been in a similar desperate circumstance. While my own circumstances at the time sucked big time, using the memory of it and my determination to NEVER be so vulnerable and embarrassed again did light a fire under my backside when it came to getting my financial affairs in better shape. 

    Like 3
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