So, I need advice. Quickly.

[Japher]

shutup!

[RGBVideo]

Take a $100 loan, either from your relatives or bank for food. Remember to pay it back ASAP.

[Thue]

Yes, just take a $1000 loan from your bank. Should be no problem since you have an income.

[MRT144]

cancel the bank account and open a new one. its the MRT way

[Zoid]

Well, seeing as you had an agreement with the people you were subletting from, they are in error. Call them up and explain to them that they haven´t held up their part of the deal. If they refuse, I guess you have to borrow money from somewhere...

[Brundlefly]

I'll lend you the money you need. But if you dont pay it back in two weeks, I'll break yer legs..

Seriously tho, in times like these, this is what family is for. Swallow your pride. I hope you are able to go to a member of your family and get help whenever you need it..

[Mercator]

Use the $10 you have left to buy a lottery ticket, play poker or try a slot machine.

Gambling

[molly bloom]

Emigrate, take up tantric yoga, buy a pet, pen a long lament for your mis-spent youth.


If all else fails, comb your hair neatly, iron your clothes and abase yourself at the feet of 'she who must be obeyed and who can be relied upon to hand out money in emergencies.'

[pchang]

sell your blood plasma for money
sell your sperm for money
sell your kidney for money
etc.

[Evil Knevil]

Originally posted by molly bloom
If all else fails, comb your hair neatly, iron your clothes and abase yourself at the feet of 'she who must be obeyed and who can be relied upon to hand out money in emergencies.'

The lady at the DHSS?

[chequita guevara]

Couple things. You don't need to borrow $1000 bucks from mom. You only need food money. If she could give you $150 cash, you're set.

You could also ask the bank for a loan to cover your account. When you pay it off early, it will more than cancel out the nsfs.

[Donegeal]

Bite the bullet and ask your parents.

[TCO]

Next time, don't give people checks and expect them not to cash them (instead just tell them you will pay them later). They did nothing wrong by the way in cashing the checks. You owe them the money, so they tried to get it. Don't even "go there" in terms of telling them that they screwed you by cashing the checks. (yes, they did, but you screwed them worse by not paying them...so don't confound the issue...remember Che and Kamrat are socialists and Che is perennially broke.)

Just get yourself over this hump.
1. Figure out when you can have enough money to settle all these debts (before talking to anyone).
2. Work out a plan with your creditors to pay them off.
3. Cancel the checks (in all likelihood). And next time, don't write checks that you don't have money to cover...better not to write the check...than to bounce them.)
4. Talk to your bank about the situation and try to ensure that you minimize fees charged and the like. You may have to eat some of those though.
5. Minimize expenses over the next few weeks to bare minimum.
6. Try to bring in some extra cash with a second job (coffee shop or whatever).
7. Hang in there and overcome!

[Max Webster]

Why wouldn't you post-date the cheques so that the cheques can only be cashed on the date shown. Then they wouldn't had no choice but stick to your schedule.

Thats what I do with my landlord, saves me running over there with a cheque every month.

[Flubber]

I think that you need a credit line. All my bank accounts are linked to my line of credit such that if I ever go below zero, an amount is taken from the credit line and I never go NSF. Its never happened yet ( I carry a minimum balance to avoid bank fees) but this line of credit is my "emergency money" and the interest rate is reasonable.

If you have a bank account and a job you should be able to convince a bank to give you a 1000 line of credit ( assuming you have been a good credit risk in the past). Then work your ass off to pay it off.

Credit cards?? They are fine at any age if you can use them responsibly. I got one at about age 20 and think I may have paid interest twice in the last 17 years. If you can be sensible, I recommend getting one. heck the 21 day grace period on most cards can be enough for you to buy some necessary stuff and pay no interest.


As for the people that cashed the cheques . . . do they have any more uncashed cheques? If they don't , there is little they can do unless you expect them to give you back the money. In the future if you want to time payments, then pay them over time or use post-dated cheques.

Oh and if you are really in a bind, consider doing a bit of extra work to get out of this hole. I usually found there was a way to an extra $50 if I looked hard enough. Plus you have $10 . . . That buys a lot of potatoes and pasta ( and you must have SOME food around) so you will eat