How many go through this situation...
You've gotten all your bills paid on time and even a bit more in advance. You have a little extra that you'd love to treat yourself with so you buy the new iPhone 4s that you wanted so badly. Then when you get your oil changed, your mechanic mentions your brakes and rotors need replaced. It just so happens to be the exact amount you spent on treating yourself. What do you do if you don't have the extra money to take care of it??
The one thing I do not recommend unless you absolutely have no other choice is a payday loan. Their rates are outrageous but are easily obtained.
Have one credit card with a good available balance for these times but pay it off quickly or suffer the interest wrath!
The best case scenario is having a good savings balance. That's money you do not owe later and takes care of the problem quickly. I'm not saying you can't treat yourself every now and then, but I sure learned my lesson! Next time I'll be sure I have plenty in my savings before splurging.
Happy savings!!
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