Good day folks Rw’s Random Life here shall we go back to a grim and dreary time in my life ok folks let’s begin. It was around the holidays 2018 to be precise most americans were rushing to and fro preparing for the christmas season whether it be purchasing gifts, and groceries for the ultimate feast. My life at the time however was in shambles folks.

1. The Streetlife Factor Father Joe’s Village?

The Streetlife Factor: Due to certain bad life choices in regards to financial managment, (payday loans, bad credit) and dysfunctional relatives i will explain that later on folks. I found myself living on the cold streets of downtown San Diego yikes. My experiences in that city was like finding a needle in a thick haystack for example.

Father Joe’s Village

The city was going through a crisis dealing with the homeless populations. As I walked Along Imperial ave navigating myself safely through the lost souls or outcasts of high society?. Portable washing stations was made available to the public to fight off the germs all around us. The thing was that certain washing station were often out of service for whatever reasons, and neglected.

Father Joe’s Village was the hub for all things homeless services from housing to food providers you name it was there folks. Although temp shelter was provided it was extremely difficult for me to recieve any due to high demand. I would often waste my time and energy waiting in long lines, witnessing various people fussing and fighting about whatever, and waiting for a few hours in a small cold waiting room just to be giving the run around and told by the staff that no shelter had any vacant space for me back to square one.

2. Loans, Loans, & More Loans Folks

At the time I dreaded asking my family for money, and telling them I was in between homes so payday loans was my go to plan for attempting to make it through that month. The good thing in all this insanity was that my important belongings was safely in a storage unit located near a light rail line which was a big help for me.

I remember sitting nervously in a chair at Wells Fargo bank. You see my goal was to reactivate my checking account in order to apply for a payday loan down the street however there a price to pay literally. A voice in my head as outlandish as it seems told me that I would have to pay out of pocket about $300 to reopen my account.

A small panic attack (social anxiety disorder)rushes over me as I made the transaction thinking to myself will I be able to be approved for a loan to make it through that month? Success my bank account has now been reactivated by the way I still use this same account to this day folks.

I then make my way down a lonely empty sidewalk the anxiety is still with me. Now here is where things get interesting folks. Usa Check Center was the place I had an existing loan account with so logically thinking that the proccess would go through smoothly right? NOPE .

Come to find out I had delinquent past accounts with other loan establishments so what ended up happening was the loan amount approved for me was only a measly $50 dollars out of $250. Believe you me I was LIVID lol this will not obviously hold me over to next month thinking to myself.

At the downtown San Diego library currently closed due to the Covid-19 situations all around the globe. I scramble trying to apply for more funding sources to get me by. The next place was in the Lemon Grove district called Moneytree. So here I was thinking at the time sinse my account with them was in a good place right. Another roadblock ahead make a detour Rw so basically I was told by the staff working with me that their location has different rules, and regulations so that meant no loan for me I guess AHHHHHHHHHHHHHHHHHHHHHH lol.

So folks just what have I learned from this honestly. Well according to Mr Gerrit H Debt is like a disease that can enable us from living a happy and normal life by taking control over our lives. Most of us don’t even know how we end up in the situation we are in. Buying every thing we own with credit has become our culture. But don’t let debt control your life any more. You can take over your life again. Imagine life with out debt!

So payday loans are good to have when a desperate situation arises however I bit off more than I can chew and should have saved up enough money the years before-hand. Having a nice savings account is a must during these chaotic times with that said stay prepared folks. Part 2 is next stay tuned.