I believe it was John Lennon who coined the phrase “Life is what happens to you while you’re making other plans.” It’s profoundly true. No matter how we budget, no matter how we plan, much of what happens to us in the day to day struggle to survive is entirely out of our control. Calamity’s timing is never convenient. If it was, it would happen after noon on payday twice a month, after your direct deposit reaches the bank.
There was a time when a payday loan was frowned upon – it was the last resort for the downtrodden. Turns out, in today’s sluggish global economy, hard working people with families to provide for often find themselves at the mercy of conventional banking institutions whose seemingly unrealistic lending restrictions make it impossible to manage the little day to day emergencies that can pop up when you least expect it. A sick baby, a flat tire, a bounced check, a home repair, a layoff – any number of unplanned things can happen to anyone at any time, regardless of one’s station in life.
The indignity of borrowing from relatives is something a lot of us just cannot bear. So, it’s comforting to know that help is just around the corner. Look around. Is it any wonder that payday lenders are springing up all over town? It speaks volumes about the needs of the average American… on both sides of the track.
The truth is most of us will pay our bills on time. Most of us work. Most of us do all we can to provide a quality life for ourselves and our families. So, who can we turn to when “life happens” and the bank says no? A payday lender can be a “friend” we can turn to. As the Beatles sang, one can “get by with a little help from our friends”.
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