It seemed like a great solution at the time when you applied for your payday loan didn't it? You found yourself in a crunch with your finances and had no choice, I get it we have all been there. So you gratefully obtained a quick payday loan and now you're stuck with the payments and you just can't cut it. So where do you go from here?
The first thing is to stay composed, stress that money comes along with can be very brutal and cause irrational thinking so take a deep breath and start mapping out a plan to get you through this. Don't be that person that feels sorry for yourself and makes excuses as to why this occurred, just be the person that is strong enough to survive through it and not end up in a worse financial pitfall. You got the loan that you needed for whatever reason, did you utilize the loan money for which it was intended? Hopefully you did, now what was your initial plan for repayment, once you accepted the loan you were aware of the payments that followed it, so how did you fall off track? Sometimes we rationalize things in a strange way, by that I mean you intended to pay back your loan but then you received a utility bill that needs attention. We then put that bill in front of paying our past debts just because it's tangible, we see it and its staring us right back in the face whereas the loan we took out is the pushed in the back of our minds. This exact way of thinking is exactly why we end up in debt, we need to prioritize our bills better by paying the past due ones first and so on.
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So you've now missed one or payments of your payday loans and now you're receiving some rather unpleasant phone calls from the lending agency and you're beginning to panic. The biggest mistake people make when falling into debt is not being honest with whom they owe their debts to. Take a few minutes and first write up a plan of how your income flows, if you are expecting another paycheck shortly, how can you divide it up to make even a partial payment on your loan and still have money to last you until your next pay. Once you've determined that, take it upon yourself to pick up the phone and call your lending institution immediately. Tell them truthfully that you are sorry you've fell behind and can only afford to pay them "X" amount of dollars at this time until you get a few more paychecks under your belt. As much as they won't be jumping for joy, they will gladly accept any amount of payment that you can contribute and may be able to renegotiate the terms of your loan so you don't continue to accrue tons of interest on this loan. Even if you need to pay them twenty dollars every three days because you earn a living making tips and that's how you can afford to pay them, believe me they will accept those terms you've set because they want their money back. Just stick to your new payment schedule you have requested of them and you will pay it off and be back on track in no time. Being honest with them earlier rather than later will cause you less stress and money in the end!
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