As a World Cup widow and a total non-fan of football, my best-friend Tamara was decidedly miffed when her football mad boyfriend abandoned their holiday plans after agreeing to watch every England match with his mates at the local pub. She was all the more annoyed because she had turned down the opportunity to come away with us girls in favour of a romantic holiday with her other half.

So in a fit of pique my bestest buddy went into the travel agents and booked herself on the same holiday as the rest of us girls. With only three days left before we were due to travel Tamara did well to get on the same flight and in the same hotel as us. The only problem was that in order to get a great last minute deal, she’d paid cash and this had practically wiped out her bank account leaving no money left for the traveller’s cheques she wanted to take with her.

Having blown too much cash by using her credit cards and debit cards to pay for meals and drinks on previous holidays, my friend was determined not to make the same mistake again. By taking just traveller’s cheques with her, she knew that she would have to stick to her holiday budget.

So she searched on-line for alternative ways of borrowing the cash and came across pay day loans which are a short-term cash advance on your wages and which you pay back in full when you get your very next pay-cheque. Not only was this a perfect solution to her cash predicament but she was able to apply for the loan straight away by completing the on-line application form. There was no need to fax anything either, which was a total bonus as she was at work at the time and didn’t want to use the communal fax machine which would have lead to everyone knowing she was applying for a loan.

I met her for lunch the next day, by which time she had not only had her loan application approved but she’d got the cash and bought her traveller’s cheques.

We ‘re now on holiday in Majorca and I’m writing this as we sunbathe by the pool. Tamara’s loan repayment is due tomorrow and I was worried that we would have to spend the day looking for a bank but apparently the loan company is going to take the money direct from her account so we can stay by the pool!

Given England’s performance in the World Cup so far, I think Tamara’s boyfriend is kind of wishing he’d taken her on holiday instead.

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Since they graduated from University in 1996, it has been a bit of a tradition for my twin brothers to go to at least one England match during the World Cup. This World Cup they managed to get tickets for England’s final first round match against Slovenia.

Unfortunately, the only seats they could get on both the outward and return flights were in Business Class. This obliterated their savings and left them with no funds for their accommodation. Normally they would just have paid for the hotel using their credit cards but at the time their cards were pretty much maxed out as they had not long returned from a stag do in Ibiza.

In order to pay for their flights, they each took out a pay day loan. UK payday loan companies now offer a service where you can apply entirely on-line by simply completing an application form and uploading your supporting documents such as ID and payslips. Of course there is still the option of faxing your application form if you prefer. My brothers used both methods as one had access to his PC and was able to do everything on-line whilst the other completed the form using his iphone and faxed his documents from the pub! They both got pretty instantaneous replies informing them that their loans had been approved and that the money would be in their accounts the next day.

Each of their loans was automatically repaid on the very same days as their salaries were paid into their bank accounts without them having to do a thing.

They flew out to South Africa on Sunday and are looking forward to England’s match this afternoon. Fingers crossed England’s performance won’t lead to the crowds booing them off the pitch as they did when they played Algeria otherwise my brothers will be inconsolable! Come on England!!!

The twins were astounded at the speed of the process and the fact that no credit check was required for this type of loan.

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The recent grounding of flights in and out of the UK due to the ash cloud from the volcano in Iceland left people stranded in their holiday resorts. For many this was simply an inconvenience as their holiday or credit card insurance covered all their subsequent expenses but others found themsleves without the appropriate cover and had to fund their extended stays themselves.

Commonly people save all year to go on holiday for a week or two. It is therefore not surprising that an unforseen extension of an additional week or two meant that by the time holiday makers were finally able to fly back to the UK, large numbers of them had run out of money.

It can be daunting when there are no funds in your account and yet all your monthly bills are due to be paid. It’s particularly frustrating when you know that once your salary hits your account, everything will be OK. It’s those few days or weeks in the interim that are the problem.

This is where online pay day loans come into their own. They offer short-term loans which are basically an advance on your salary. As soon as your next salary payment is made you then repay the total loan amount. This avoids getting into long-term debt whilst resolving your immediate cash problems.

The application process is quick and easy as everything can be done online, you don’t even need a fax machine. Online payday loan lenders will normally respond to you with their decision within the hour and if you are approved your account will be credited with the full loan amount within 24 hours.

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