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Credit cards, while not great, are far cheaper than payday loans, provided you казино вулкан отзывы repay both within the same amount игровые автоматы онлайн клуб вулкан казино играть of time. For example, a month’s Ј250 payday loan costs just under Ј40, but on a credit card repaid in full, it's free. A credit card costs around Ј5-Ј8 a month in interest, even when it's not free. So apply for a credit card for use in emergencies. Go for a 0% spending card, if you’ve a decent credit history. Then even poor-credit credit cards at what we’d normally say are horrid 30-40% APRs are much cheaper than payday loans, if not.

To ensure this is kept for disciplined emergency use only, not willy-nilly spending, once you get the вулкан russia казино официальный сайт card, put it in a waterproof bag, then put that bag in a bag full of water & put it in the freezer. You’ll need to smash the ice – which should give you serious pause for thought as you hack away to get the card, if you need it. Although borrowing from family. Do it formally, to make you and them feel better. Write down the amount and when you'll repay them – along the same terms. If it is a close family member and they don't have the cash, but they do have a better credit score than you, then as long as they're willing, it would be better for them to try some of the alternatives above to get the cash to lend to you.

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