Yes taking out a cash advance or payday loan can be a humbling experience but not necessarily always a bad one. I realize that a lot of people have negative things to say about payday loan companies, but those people are probably in a better position than most of us. Truth is, there is a need for these kind of companies and if you are here now reading about it, you are also most likely in need of some help. During those dark times when you ask yourself, “how am I going to get myself out of this disaster” you can rest assured that there are options out there for the people who are less fortunate per say with their finances and who haven’t perhaps made the best financial decisions in the past , or had it as lucky as everyone else.

I for one am one of those very people, not irresponsible per say, but perhaps just never thought of or realized the importance of money and saving as I do now. Boy, have I learned a lesson and am now working on digging myself out and overcoming a major financial fiasco. Thanks to receiving a payday loan I was able to take the first step in a positive direction. I know, I know, it sounds too good to be true right? Well do not fear, a payday loan does come with it’s own set of cons, but they are not all that bad. There are fees associated with this just as there would be anything else, but they are meant to be short term loans, therefore you will or should have it paid off rather quickly and on time minimizing the extra costs.

So why did I need to take out a payday loan? Well it really is a long story but don’t worry I’ll keep it brief and to the point. Like I said earlier I was never that responsible with money, when I got my paycheck I would spend it instantly, unless I was planning a trip somewhere. My passion is travel and any chance I get to travel I’m packing my bags and off to my next adventure. About six months ago I had saved up and pre paid for a 10 day gap adventure tour cruising through and swimming the Galapagos Islands. It was an amazing time that is for sure the entire trip when off without a hitch, until I got to the airport in Quito and realized that I could not find my passport or wallet anywhere. It had been stolen, what a disaster! At this point I had only peanuts left for money, thankfully I had enough to get a taxi to the U.S embassy in Quito. I thought that was the hard part, but it got so much worse. In order to get a new passport to travel they needed all this extra stuff from me like photo i.d. and proof of citizenship, i’m like “hello people that is why I’m here, I don’t have any of this stuff”, and to make matters worse I did not have a penny to my name. I can’t believe I was so stupid to go to another country and not plan to have an emergency fund. Thankfully I had put my bank card in my pocket after I used it to withdraw my last $20 bucks and my new high tech phone which allowed me to browse the internet which led me to mypaydayloan.com. Amazingly I was able to get a loan from them, a small one mind you of $300, but this was enough to cover the cost of my new passport along with the new photos I had to take and the taxi to the airport. I basically had to spend the night out on the street but I was happy doing so knowing that when I woke the next morning the money would be in my account.