Drive through to skyhigh interest
While driving to get dinner tonight, I happened to notice a local cash advance / check-cashing store advertising their drive through window. Now granted, this store used to be a Wendy’s back in the day so there is a logical reason for the window to be there but it still took me slightly aback. If you are really going to get a loan that charges you interest rates that can total in the thousands on a APR basis, you could at least get out of your car (that you probably cannot afford either) to do it.
Now, I will the first to admit a bias here, I do not really like using drive-though. There is no real logical reason for this, I just prefer going inside and dealing with a person face-to-face. There are environmental benefits such as you save a little bit of gas by not idling your car and stuff like that, but mostly I just prefer to avoid drive-through. Then you combine it with a cash advance (yuck) store, which is another rant that could easily be made, but how many people out there do not know it is not the wisest financial move to borrow from the cash advance place and still do it? Another time of someone saying, spend a little less, save up an emergency fund, even if it is only like $500 or $1,000 probably will not change his or her behavior.