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18 Feb 2015

What can you do when all your options are gone? Your rent is due and you only have half of it because your roommate did not have her half. What are you going to do? You could try explaining to the landlord but you know it won't do any good. He will charge you late fees and could evict you if you don't come up with the money within the week anyway. You check your savings and you have 25 pounds. The rent is 700 pounds. Your credit cards are maxed and there is no one you can turn to for a personal loan.

The bank laughs!

You approach your bank to borrow 400 pounds and they laugh at you. First of all they do not make instant loans that small. The smallest loan they would consider is 5000 pounds. You have no interest in...