Re: Oh F***!
1) If money is tight, do NOT NOT NOT NOT NOT take out any kind of loan to help with bills. Not even rent. One out of a million times it will work; every other time it will screw you over far far worse than if you hadn't.
2) As a tenant you have rights. Even if you miss rent, the chance of you being evicted that day (or even that month) is very very low. Details of course depend very highly on your jurisdiction, but even a notice to quit isn't a spell that magically kicks you out on expiry. Talk talk talk to your landlord.
Without knowing any more details I can't really make any suggestions, but please keep in mind the above. Before the recession got me and my job (in an ironic turn of events), I made a living kicking people out of the houses they lived in, bankrupting people, forcing people to pay debts . . . and, of course, when I was working for the other side, preventing the above from happening.
Specifics vary, but those two points above are extremely important. I can't emphasise that enough. Taking out a loan when you're already in financial difficulties has one effect and one effect only: putting you in more financial difficulties. Even payday loans, because they just mean that you end up getting less pay in your pocket (when what you had in the first place wasn't enough).
If you want more specific help or advice (sometimes hard to tell if people want that or just need to vent and such) feel free to PM me. Debt management is my thing. One year I was personally responsible for something like 25% of repossessed houses in my entire country - that leads to a hell of a lot of insight into how people get into bad trouble, and how they could have avoided it.
Ubi Dubium, Ibi Libertas
Quote:"I have suffered from being misunderstood, but I would have suffered a hell of a lot more if I had been understood."