Many years ago, when hubby and I were first married, we lived in Kansas City. Overall I didn’t like it there. My job was long tedious hours and very low pay (I was salaried at $15,000 a year) and KC was just not our style. Nothing against the area, but people are usually just comfortable where they grew up, and for me that’s Pennsylvania. I just wasn’t meant to be a midwesterner. Anyway, we were renting an apartment and we stupidly thought that buying a house would make us like KC more. This was before the real housing boom and all those sketchy loan practices, so we still had to come up with a down payment and all that. We basically took all of our savings, all of our wedding money, and used it so that we could buy this house. And it was a nice house.

But 6 months later, I still hated KC. It wasn’t the house, it was that we wanted to move back east. So we did. I moved back first and I stayed with relatives. I had already found a job, hubby hadn’t. He stayed in KC, tried to sell our house and tried to find a job here. It was about 3-4 months and then he came here and we rented a house here, since we still owned the house in KC. Hey, when you know better, you do better. But we didn’t know any better. That ended up being our biggest financial mistake ever. Not only did we lose whatever money we had coughed up at closing, we actually HAD TO PAY $1500 at the new closing, with the new owners, to sell the house. Yeah.

Anyway, my point is, we had to come up with $1500 to actually sell our house and we didn’t have it. So we had to take out a short term loan. So I don’t judge when people need a loan in a hurry or a payday loan. Hey, stuff happens.