<prompt> Human: rpersonalfinance, if you dont mind I would like some advice. So Ive gotten myself into a little bit of a bind. I checked my checking account today, and I have 36 to tide me over until the 27th next Friday. Im considering taking out a payday loan tomorrow for 200, and would like to know your thoughts on it. This serves the added bonus of letting me get this out on paper.My money troubles have been going on for about three months now, Ive been managing to barely tread water living paycheck to paycheck. So far my credit score hasnt been touched thankfully. Three months ago, I got kicked out the apartment I was living in. I was living with my ex-girlfriend at the time, off of the lease. After getting kicked out, I found the quickest apartment I could and moved in immediately, signing a 12 month lease. At 21, making 33,000 a year, I thought I could afford the rent of 450month. That being said, I didnt necessarily take everything into account it seems. Here are my bills: 450 - Rentwater198 - Car payment300 - Car insurance180 - Phone payment15 - Electric50 - Gas Residential 25 - Best Buy credit card minimumaiming for 50mo-Total: 1218 monthlyWith my income being very roughly 1600, that would leave me with 382 for the rest of the month. Ive recently patched things back up somewhat with the ex. She and the roommate have asked that I move back in with them. Ive agreed to it, with the understanding that I would immediately be put on the lease to prevent something like this happening again. If I had to estimate, I would say the whole ordeal cost me somewhere in the range of 2000.Moving in is going to change my finances as such:100 - Rent 0 for the month of August198 - Car payment300 - Car insurance180 - Phone payment10 - Electric0 - Gas until Winter25 - Best Buy credit card minimumaiming for 50mo-Total: 813month a difference of 405, leaving me with 787 roughly and 887 for August.I found someone to sublet my apartment to. They want to move in this coming Monday 7232012. My question is this: Should I take out the 200 loan to cover moving expenses 40 for U-Hual and the rest of the week? It seems like a smart move to me, at this point. What do you think? Edit: Formatting Assistant: If you dont mind my asking - how are you spending 180 on your phone? Ive got 2 smartphones for 120 total and i consider even that expensive.Also, if your bills leave you with 382 at the end of the month, how are you down to only 36? Can you postpone moving until youve saved a little money ? I dont think taking out a pay-day loan will be advocated as a good idea by many people. If it were me - itd be an absolute last case scenario, after Id sold off everything I didnt need to live.Can you sell your car ? Thats a hell of a lot of money each month... especially considering youre only listing the payment and insurance which seems crazy high... - what about registration, maintenance, gas ?If none of those work - Can you use your car to move without hiring a UHaul ?Human: Thank you for your input on this. The 180 for the phone is actually for two phones, mine and the exs. Im on the plan as a primary, so once things went south with her I was still locked into the contact to pay the 180. This is also being fixed in the move, were going back to our old agreement she deducts her half of the cell-phone bill from rent. The 36 this month is the result of my keeping afloat. Im listed as a secondary driver on my mothers insurance plan, and have to pay her 300 every month. I wasnt able to pay that last month, so I asked her if it would be fine for me to pay it this month. I did so, and went ahead and made the car payment and BB payment as well. Add on top of that the other misc. payments ex: food and I ended up having less than I thought it did.A lot of my problem is just my not paying attention to how much I had at the time, I believe.I could use the car, but I believe the cost in gas would end up costing more than the UHual honestly. It would be a bare minimum of four two-way trips, as opposed to one UHual. Not to mention, the car wouldnt allow me to transport my bed.Assistant: I know someone with a newish car, 2 moving violations in the last 2 years, and he pays something like 70mo. If youre payign 300mo for car insurance you are being had. You shouldnt be paying over 120-150 unless you have really terrible history. Call Geico, get a quote, get off your exs moms plan which would be a good idea anyway. I used to make 34500yr and paid 525mo for rent. Its do-able. Very doable. I did this even with a car payment of 300mo. My suggestion is to figure out that car insurance, a few other things, and then move out. Things arent going to magically get better with your ex and in the long run you being on your own will help. Human: I apologize, I think you misunderstood. Im actually on my moms insurance plan. That being said, I believe youre right in this instance. I should definitely look into a new insurance plan very soon. Thank you very much for that advice.As far as things with the ex, its a possibility. The problem Im going to face very soon is that my student loan repayment are going to start kicking in very soon as well. Living with them is going to give me a very good edge on those I believe. I understand what youre saying in regards to things not getting better with the ex, but things arent necessarily bad currently. Were on good terms and are still good friends. That being said, youre probably right in saying that being on my own will help.  <response>: I dont know if you understand how insane 300mo is for car insurance. 