Have you ever woken up and started your day completely stressed?

This used to be my daily ‘ritual’ and I endured it for longer than I care to admit.

I used to barely get any sleep, lying in bed wide awake until the wee hours of the morning, sick with worry.

I had tried yoga, meditation, pills and booze, but none were the answer. Especially the latter.

The troubles were related to finances, with my predicament beginning to take its toll on my general well-being.

It was one particular morning that I felt a tightness in my chest and realized I couldn’t continue to live like this. My then girlfriend (now wife) asked me what was wrong, even though I knew she was aware, and I explained I just wasn’t happy due to my money problems.

While I wasn’t deep in the hole, the whole feeling was eating away at me from the inside, and it was time to do something about it. My credit rating had taken a hit, the banks didn’t want to deal with me, and I had managed to payoff most of my debt but had this one final bill to pay to lift the weight off me. So I did what any sane person would do and took a payday loan to deal with it.

Now I know what you’re thinking. But there I was, and I wanted to take care of this and be done with it. I knew I could pay it back when due, and even if it’s high interest, it was the right choice for me at the time.

Based on a friend’s recommendation, I visited PMN and applied. The next day once I had the funds, I took care of the last bill. While it might have been lower interest, in my particular case it had been nagging at me and I had an immediate need to resolve it. A couple weeks later, I repaid PMN and things have only improved since.

While my situation might be unique, and not the right solution for everyone, it was the right decision for me at the time.

Sometimes when your wellbeing is at stake, I think you have to make decisions or judgement calls that provide a positive outcome.

I had deliberated on my options often, with all the sleep I wasn’t getting, which probably perpetuated my unrest, but in hindsight it was the right decision for me at the time.

This was almost a year ago, and it wasn’t until recently that I thought about all the anxiety and stress I was feeling then. Since then, things have only improved. From getting married and a new job to expecting our first child, I can say that I’m now happy.