Are you a resident of Illinois that has found yourself in a temporary financial struggle? A payday loan might be the solution you’ve been looking for.
An unexpected bill, an emergency travel situation, Christmas, and birthdays not factored into your budget?
From time to time we all find ourselves in need of some extra cash. But what happens when you don’t have a credit card or the interest rate is too high, and you don’t want to turn to friends and family for a helping hand?
This is where a payday loan comes in.
Unlike a regular personal loan which is considered a long-term commitment, a payday loan is a short-term solution to a short-term problem. Its purpose is revealed by its name.
It allows you to obtain a reasonable amount of cash to tie you over until your next paycheck, at which point you pay it back in one simple lump sum with a small fee, avoiding the ridiculous amounts of interest associated with other types of credit.
The process is fast, easy, and your credit score is not usually even a factor in the application.
Payday loans are regulated by each individual state, so the rules can differ depending on your location.
To ensure that they function effectively in Illinois, the local Government requires that you are not allowed to borrow more than 25% of your gross monthly income to a maximum of $1,000.
You can also not take out any more than two payday loans at any given time. Other than that you are free to pursue all payday loan opportunities from all legal providers.
Applying for online payday loans in Illinois, be it Chicago, Aurora, Joliet, or any other city couldn’t be easier. In fact, the whole process is conducted online with a simple form that can be completed in a matter of minutes.
All that’s required is that you are over 18 years old, are in regular employment, and have a bank account where the money can be deposited and then collected once the loan period is over.
There are no hidden fees or ridiculous interest rates, and at every step of the way, you will be fully informed of the terms. A copy of all the information you need will be emailed to you.
Approval is very fast and the money will usually be deposited into your designated bank account the next business day after approval is made, making it ideal if you need cash fast.
Then after your next payday rolls around the principal and a small fixed finance charge will be taken from the same account, completing the terms of the agreement.
You are then free at any time to apply for a new loan. Because your information is already on file the process will be even faster the second time around!
The majority of the applicants are approved the same day, so long as they meet the basic requirements outlined above.
Because payday loans hinge on your next paycheck, payday lenders do not usually check your credit rating via 3 major bureaus. They believe that everybody deserves access to short-term financial help, so they don’t discriminate the way banks and other large lenders do.
Furthermore, they are not interested in what you need to use the cash for, that’s your personal business, and they don’t enforce any conditions or restrictions. If you want a cash advance so you can go on vacation, that’s fine with them.
Payday loans also do not negatively impact your credit score, unless of course, you fail to meet the terms.
The purpose of a payday loan is to help you out of a short-term financial spot, and should never be considered a long-term commitment or method of paying off other debts.
Failure to pay the full amount on the agreed-upon date could lead to extra fees and charges, and there is no guarantee that you will be offered an extension or renewal.
Like any other form of credit, failing to meet the terms will also be recorded on your credit rating and may negatively impact your ability to borrow in the future.
In light of the above information are you considering applying for a payday loan? If so here’s a quick checklist to ensure that this is the right choice for you.
Thought the list would be longer?
It really is that simple, that’s why thousands of people just like you are successfully applying for payday loans in Illinois every day!
For today you have food in the house, a roof over your head and clothing on your body. Somehow, it is not enough for DH, who might see his success in terms of how much he wants as opposed to how little he needs. Give him all the support he needs, just don’t get into more debt.
If you aren’t allowed to work in order to receive adoption support, why would you not use that money to help feed, cloth and shelter your family? Don’t get into more debt.
Unless you and DH are able to come up with a mutually agreeable financial plan to get over this crisis, it will continue indefinitely.
Money and debt problems are sometimes no different than drug addiction or alcoholism. I feel stuck, trapped and unwhole if I do not leave the house with money in my pocket, even if its only a dollar. And I have to spend it. I have to buy something. If I don’t have any money, I’d rather not go out. I’m getting better but it is still tough. Don’t get into more debt.
We own several because Dana makes things for our girls, but they’re all quite old and out of print now, I’d just look up “doll house” in your library’s card catalog. As for decorating, stores that sell wallpaper will give you the old sample books if you ask ahead of time, there’s your mismatched paints, there’s little aida cross-stich pieces stitched with crewel thread to look like those braided rugs or oriental rugs, depending on what kind of decor you’re looking for in this doll house.
For draperies, you can check the remnant bins at your local sewing store – I like the independents rather than places like Jo-Ann’s or Hancock’s because of fond memories of a little place called George’s Textiles in Lowell, MA – they had 1/4 yard bits and pieces of lace, velvet, fabulous silks and satins… Very posh. 1/4 yard is enough to upholster the furnishings and put up drapes in any doll house room, and possibly even make a little outfit for one of the dollhouse people, though more likely little accessories for decorating…
one Christmas tree light bulb in a spool of thread with perhaps a little piece of metal tubing put in and a piece of coat hanger wire to hold up the bulb and the lampshade, and make the lampshade out of leftover bits of cloth… possibly hot-glued to a paper cup with the bottom cut out if you’re really feeling ambitious.
A matchbox on toothpick legs, with a little paper cup chair with a “padded” upholstered seat and a “skirt” ( think cotton ball for the padding ), and a “skirt” on the little “vanity”, a tiny picture frame with a piece of flattened-out shiney-side-up tin foil in it… and Voila! A nice touch to a boudoir. Fake flowers can be bought 3 bunches for $1 at just about any store with a crafts department – those adorable bunches of miniature rose buds are great for tying curtain swags and valances in a doll house, as well as in teeny vases ( stiff clear plastic tubing cut into little pieces ).
If you have one of the can openers that takes the whole top off of the can rather than just the center portion, AND you can weld, you can weld coat-hanger-wire legs onto the bottom of a tin can top, add a circle of fabric, and Voila! a table… Also works nicely with strange-shaped can tops, like ham cans and sardine cans. 😀 I can think of more, I’m sure, but that’s probably WAY more than enough to start with, right? 😀
Actually part of working with CCCS was that the cc companies agreed not to report negatively , though one notes in their report that we are working with CCCS.
Our murky spot is from being late with payments prior to starting with CCCS and being late sev. years ago *twice* with house mortgages because of DH’s work related injury which caused him to miss many weeks of work–he’s USPS so there was no workman’s comp 🙁
I don’t know what will happen re cc’s once we’re done. They may very well close our accounts-OK with me! Hopefully we can have one as backup for “emergency” I’ve had experience talking with businesses re our credit reports, so if anyone needs support with that let me know. Its tedious but helpful in the long run.
Hi all – i was lucky enough to be come the owner of a doll house about 18 months ago. it is one of those kits that someone had built (could have done a better job though) – it was donated to a church bazaar for the yard sale section but it was getting crushed because people were dropping off stuff an d putting it on it. I offered to buy it and the girl in charge told me to just take it as i was doing tons of volunteer work with her and it was going to get ruined if left in the garage.
Any how i am looking fro sites with idea on decorating it or any one who has some tips about making stuff for it myself- i bought some paint at Sears for 97c from their mismixed paints sectioned so i have several colors of paint.
I am giant to have to do sanding ( which the original owner neglected to do as they made it ) and some minor repairs i bought some ” wallpaper ” for it at 50% off at AC Moore the other day but i looked at it and i figured i could probably make more by printing out designs on the putter.
Any other frugal creative ideas ??
DH has been very depressed the past few days. You know i mentioned the bank mistake last month? It is even worse than I thought but it is okay- DH tells me we need almost $1200 to pay the rest of the bills and it is his short pay period and in addition to that work took his loan payment from that check- this is why he is so upset. He doesn’t feel like a man or like a good provider. Believe me that is the farthest thing from the truth! I am thankful that I could finally get him to talk to me about it.
It took a lot to get him to relax enough to discuss it. To top it off good friend died last weekend and he didn’t tell me because he didn’t want to drag me down. He is accustomed to have several $1000 dollars in the bank but problems (including a $1000 error on the bank act) depleted it to less than $500 and his check will be about $500. We also took $1000 loan online and I told him it was okay- my child support check comes any day and will cover the rest but he said it isn’t the same- he should have provided it.
I don’t see the difference in him using the money now for bills or waiting for me to use it later on food, clothing and such. but it has something to do with his maleness. He said he will get a loan to cover the rest of it- it defies my logic when it isn’t needed (more loans more debt). I do understand that the male pride deal is there and I am thankful he feels so strongly about supporting us- he said he isn’t much of a man because real men support their family.
I am not allowed to work more than a scant amount- it was a part of the adoption agreement and that is why we get adoption (child) support. He keeps insisting it’s my money to spend and not for him to use on the house. He also says the money he earns is for me to spend as well and I do! It frustrates me to no end. When he got to work today he learned that another good friend was taken to the hospital with a major blood clot in his brain and was flown to Seattle to Harborview Medical Center and is in bad shape. Too much too close together.
Halfway home, while I was *trying* valiantly NOT to just burst into semi-hysterical giggles, DH says, “Well, now I *really* feel low-income…I’m driving an Isuzu Pup with 2 seatbelts, a floor full of WIC and day old bread stuff, AND you’re pregant!!” I just lost it…haven’t laughed so hard in ages. And I didn’t tell him that the plates were expired on the truck! LOLOL
And they say the poor don’t ever have any fun, LOL! Truthfully, though, it’s good you have those hormones to help you through. Nothing bothered me with my first pregnancy; and I’d get hysterically silly over nothing, either. I just wish the second time around had been the same. Anyway, throughout the whole pregnancy, I went around singing “Don’t Worry, Be Happy!” My husband despises that song to this day, thanks to the great efforts I made to sing it to him every chance I could:)
I decided a long time ago that it’s more fun to be insane than to be depressed. Don’t you just wish you had that picture of your Kodak moment?
I miss the first Christmas tree I ever had. I’m laughing hysterically now. It was an artificial tree not even 3 foot tall. It meant the world to us, though. I look back at that memory every time and laugh. I miss it, too. I have a lot of good honeymoon memories to go along with that tree.
Condolences to hubby, though, because I’m sure he’s out in left field trying to understand you:) And, you sure cheered me up. I was feeling kind of “poor” myself. Thanks for sharing the experience.
Take care and KEEP LAUGHING!
Our wedding was also frugal. We wanted to build a future and not waste money- even then. My Aunt was a wedding gown seamstress and she made my gown she would have charged $1000 but it was a gift from her. She was a well known seamstress from Arizona and flew up to finish it. Her sister came and she and mom dod all the and bead work on the dress and she also did the silk flowers.
Her husband and daughter sang and they paid the organist and also for some of the fresh flowers and all the silk ones as a wedding gift. Mom, my brother Dh and I bought the supplies for the food portion and SIl and MIL made the cake and the food from a restaurant supply place alond with napkins etc.. SIL is a chef. We paid SIL $100 for her help. She and 2 friends (also chefs) catered it and the friends offered their services for free. Photos were taken by a friend who was a professional photographer. She charged us $100 and that included all the negatives. We were married in a long log cabin, Pioneer Hall. Rent was $100.
My sisters and niece were my attendants and they paid for their dresses- I let them choose and they volunteered to pay. DH wore a white tux and he and his friends rented them. Dh had to returne early to be a witnes at a trial so our Honeymoon was short and sweet- we took a ferry across the sound and went to an historic town, Port Townsend and stayed in a B & B then another ferry to Victoria, British Columbia and stayed in a cheap motel. A few months later we took a 2 week trip to the grand Canyon to relax and enjoy ourselves. Except for a couple nights in a cabin there (north rim) we slept in the back of our truck and canopy! I wouldn’t do that today though. The money gifts we were given were used buying fruit trees and we are still enjoying their bounty. Thanks for joining me along memory.
I found a $600 dress that was marked down to $150. On top of that I got an additional 20 percent marked off because my mother worked at the store. I found my wedding veil in the same store for $15.00 which was originally $60. The photographer was someone who did it as a second job. He and his wife had their studio in their basement and their work was very professional. He was extremely reasonable. I only had one attendant.
I found her dress on a clearance rack at Penney’s for $10.00. It had originally been around $100. My mother made the groom cake. I purchased the wedding cake from a bakery. I picked up the cake myself from the bakery. My cousin made the bridal bouquet and the bridesmaid bouquet. Flowers were expensive but I didn’t have a lot of those, just a few to decorate the front.