Some girlfriends are high maintenance. This type of woman expects expensive presents, dates in Michelin starred restaurants and regular holidays abroad to exotic locations and should any of these things not be forthcoming, they are very quick to move on to some other guy. So if this sounds like your current girlfriend, can you afford her – or has the time come to find a replacement girlfriend whose love doesn’t cost a thing?
Is My Girlfriend a Gold-Digger?
This is a tricky one. There is nothing intrinsically wrong with dating a woman who has expensive tastes and prefers shopping in Milan to Primark, but if her expensive lifestyle is more than you can afford and you are beginning to think she’s more interested in your bank account than your personality, it might be time for an upgrade.
Signs Your Girlfriend is a Gold-Digger
- She’s drop dead gorgeous and you have a face only a mother could love
- She keeps asking about your investments and savings
- She expects you to pay her a monthly ‘shopping’ allowance
- She has dated at least five premier league footballers
My Girlfriend Isn’t a Gold-Digger, But She Does Like Expensive Presents!
Okay, so we’ve established that your girlfriend is not just interested in your wallet, but nevertheless, she has dropped a lot of heavy hints about what she wants for Christmas and since none of the items are on offer in the bargain bin at Poundstretcher, what are your options?
Can a Payday Loan Help Me Buy the Perfect Gift?
Sometimes, through no fault of your own, you may have ended up short of cash at the wrong moment. Your boss has promised to pay you an annual bonus, but the money hasn’t arrived in your bank account yet and you know that your shopping days are numbered, so what can you do?
The Payday Loan Option
A payday loan is the perfect solution to a temporary cash flow problem. Rather than risk the huge expense of an unauthorised overdraft and threatening letters from the bank, take out a loan from a reputable loan company and spend the money on a lovely gift for your girlfriend. You might only need the cash for a week, but should you go overdrawn on your bank account it is going to cost you a fortune, so taking out a payday loan is often the cheaper option.
Will I Be Approved for a Payday Loan if I Have a Poor Credit Rating?
A payday loan is perfect for anyone with a bad credit rating. Often poor credit ratings are not our fault – you may have been the victim of someone else’s spending habits or your name has wrongly ended up with CCJs against it. But whatever the reason for your poor credit rating, in the vast majority of cases you will be approved for a loan almost immediately, which means the money can be in your hands very quickly.
I’ve Heard Bad Things About Payday Loans – Should I Be Concerned?
The finance world is full of dodgy characters (some of whom are in change of major high street banks), but although the loan industry has had a lot of bad press in the last few years, as long as you borrow responsibly there is no reason why a loan can’t work as a temporary fix to your cash flow problem. Payday loans are not a cheap way of borrowing money, but if you don’t have access to a credit card or any other form of borrowing, a payday loan is ideal for times when you need the money fast.
What Happens if I Default on the Repayments?
If you borrow money that you can’t afford to pay back, you will struggle to meet the repayments and end up in debt. So always be sensible about how much you need and don’t be tempted to borrow more unnecessarily – keeping your girlfriend happy is not worth the prospect of ending up buried in a mountain of debt.
I Bought Her an Expensive Gift and She’s STILL Not Happy!
Sadly, the time has come to take a dose of reality medicine and accept the fact that no matter how much money you spend on her, your girlfriend will never be happy with you. So point her in the direction of a sugar daddy dating website and find yourself a nice girl who likes you for you and not your bank account.
Stuart Edge can spot a gold digger a mile away. He doesn’t recommend that you date women like this because they can cost a fortune, but if you want to buy your girlfriend a nice gift and you are short of cash, he advocates a payday loan as a temporary solution.