<prompt> Human: He always says he hates living here because Im stressed out but Im only stressed because all my money goes towards the bills and his phone bill and I have hardly any left over to save, in fact I havent been able to save. Have had to ask parents for help continuously since we moved out and it makes me feel like shit. Boyfriends dad has a ton.. a ton of money but never helps us out and guilt trips my boyfriend when he asks for anything. What should I do? Im debating borrowing a small loan 200 from a small lending place like Americash who are offering what seems to be an interest free deal just to get me through December and hoping my boyfriend will land a job by January first at least. Any advice would help, is it a good idea to loan money from those kinds of places? Its really putting a strain on our relationship and I try not to make my boyfriend feel bad for not having a job but he always says I make him feel like shit and any advice would help.Edit: okay, sorry for the late reply to all of you. Reviewed it all, a lot of you gave similar and good advice. I make roughly 480 every two weeks. Rent is 687 we wanted a six month lease but my mom cosigned a year before we could talk it over with her we buy from Aldis- 150 every three or four weeks. Internet is 27 a month, water is around 40, electric and gas are currently changing due to the cold, but recently they have each been about 50. His phone bill is 90 a month but it will go down once his phone is paid off. I know its wrong for me to pay it, once he gets a job I wont let him use my card to do so. I plan on marrying this guy, Ill eat soup noodles for months if it means marrying with good credit for both of us. my boyfriend doesnt own a next Gen console like the ps4 he has a nice laptop that was a Christmas gift a few years ago, but thats our only computer and we kinda need it. He has applied to places and today someone got back with him about scheduling an interview! I think his lack of motivation to find a job stemmed from him just being so overwhelmed by it all, but hes finally applied himself- obviously. And he does want to join the AirForce, hes actually seeing a recruiter monday. Not because he feels its his only option, but because he would be third generation, and its something he has thought about most of his life. We dont need EXACTLY 200, it was just what the deal they were offering. We could pay it back in two weeks, too, its just we are tight on gas and grocery in this time before I get my next paycheck. Not taking out the loan though, besides that fact, just from the crazy amount of people saying not to. He wasnt always raised in a rich household and his dad has always never really acted like a dad his mom has recounted when my boyfriend was six, he asked if he would ever have have a real dad and yeah his dad doesnt owe him anything but if he could at least be a dad for him that would be awesome. I get that this seemed more like relationship help but really it is finances that are putting the strain on our relationship. And FYI no, he does not keep our house spotless, despite me working and him not. Yes, it is total bullshit and he needs to stop dicking around and stop complaining about sitting around the house all day because we cant afford to do anything. Hes slowly improving though- it isnt my fault he was raised in an extremely patriarchal household where his mom did everything. Even now he asks me when Im going to do the laundry. Its just going to take some time to get him used to an equal powers household, where every duty is shared. Thanks all, I feel much better after reading all your responses.  <response>: Here is what a quick search turned up for the interest rates on a payday loan. A 10 second read tells me that it isnt worth the 500 interest on a 200 loan.Not knowing your entire situation makes it tough to offer any advice so Ill do the general stuff. 1 What can you cut out expense wise? If you have cable--dump it. Yes, internet is a must but you do not need cable tv. Also, unless you are in an expensive contract you do not need an expensive phone. Even if you are in a contract you can call and ask about how you can get your monthly bill down. Sometimes if you either are nice enough or argue enough you can get a few bucks off your bill.2 Eating out? Yeah, quit that too. If the boyfriend doesnt have a job he can take the responsibility of learning to cook Rice beans, spaghetti, and home-made anything are cheaper than fast food and far healthier. 3 Pay day loans are a TERRIBLE idea. See above link! I cannot stress this enough.Ok, now for the really harsh stuff. The boyfriend needs a job. Even if its delivering pizzas, working fast food or retail part time he needs to do something. As for you making him feel like shit, well, are you? Im not say that to be flippant but if he is really really trying to get another job then offering to help or backing off a little bit can do wonders. If hes sitting on his ass waiting for you to come and bail him out then I would ask what do you get out of this relationship?One more thing, I sense a little resentment towards your boyfriends father. While you might not think its fair that hes not helping you two out you might ask yourself why that is? He could be trying to teach you guys to swim on your own without help. Could be he doesnt approve you two as a couple for any reason at all. Could be that hes afraid that if he bails you out this one time you will keep coming back for just one more loan. Ok, the tl:drDont get a payday loan 