Emily figured out that she would have $300 left over after she paid all the bills between now and the next month?s paycheck. Living for 40 days on only $300 would be a challenge. But she decided she could do it if she economized. She would bring her lunch to work rather than buy it in the cafeteria, and give up going out at night--including un-inviting herself from a co-worker?s upcoming birthday party at the neighborhood bar. She posted notes on her refrigerator, steering wheel, and wallet, reminding herself not to make too many car trips, waste food, or splurge. She made herself the goal of reading several books she?d always wanted to read, rather than going out. She got them free from the library. Did Emily?s Payday Advance Loan Plan Succeed? -------------------------------------------------------------------------------- Fully prepared, Emily took a $1000 cash advance from the ABC Loan Company and repaid it on the 15th along with a $50 fee. She saved $85 in credit card penalty fees. She also stayed on the good side of her landlord, car loan lender, bank, and cellular phone provider. -------------------------------------------------------------------------------- The experience also brought home to Emily that she was living too close to the limits of her paycheck. She realized that she would be better off moving out of her studio apartment, into a room in an apartment of a few friends. She?d also save money on gas by moving closer to work.

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