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 run up to the World Cup saw football fans rushing to purchase HD ready, wide-screen TVs to ensure that they got a great view of all the games. Many reasoned that if they couldn’t afford to travel to South Africa then they were at least going to treat themselves to watching the matches on the very latest (and largest!) televisions in High Definition.

I had been secretly congratulating myself on having persuaded my football crazy husband that there was no significant improvement in the picture in HD and that we therefore really didn’t need a new TV. How wrong could I be?

On the Friday morning Before the first England match against the USA on the Saturday, we awoke to discover that our TV was on the blink. I half suspected that my husband may have sabotaged the TV in a bid to get a new one. But alas this wasn’t the case and the television had simply come to the end of its natural life at the most inconvenient moment imaginable.

The previous month has seen us having to spend an absolute fortune on getting the car through its MOT and that had left us pretty short. Not desperately strapped for cash but there was a distinct lack of funds we simply could not afford to replace the TV.

I think gadget stores are specifically designed to lure men into buying the latest, most expensive and most complicated electronic equipment available. (I love shopping but the gadget shopping experience leaves me totally cold.) So the inevitable happened and my husband fell in love with the most enormous flat screen TV and cinema surround system. Nothing else was going to be good enough to watch his precious England play in the World Cup.

The store were of course offering credit but it was over 24 months and I really didn’t want to still be paying for the TV two years after the World Cup had ended! Since neither of us have credit cards (they’re just too tempting), we were in somewhat of a quandry as to what to do next.

We went home and searched on-line to see if we could get the same TV cheaper elsewhere but we couldn’t beat the deal we’d been offered in store if we were to make a cash purchase. It was so annoying because had this have happened after payday we wouldn’t have had any difficulty paying cash.

One of our neighbours called round and after offering to let us watch every England match at his house, he came up with the idea of us getting a payday loan which he’d seen advertised on the TV. Again we searched on-line and found that there were a number of UK pay day loan companies offering just what we needed: instant cash that we could borrow for a few weeks until we got paid. Hurrah!

The application process was unbelievably easy. My husband completed the on-line application form, scanned copies of his most recent payslips together with some identification and submitted these together with the form via the web. It was such a bonus that we didn’t have to use the fax machine at the local shop because as lovely as the shopkeeper is, the whole world would have known that we were applying for a loan before the fax even reached the loan company! What’s more, payday loan applications do not involve a credit check.

About an hour later we received an email confirming that our application had been approved and that the funds would be in my husband’s account the next day. In fact the money had been credited to his account first thing on the Saturday morning.
We then made a mad dash to the gadget store to purchase the super-duper new television and return home to install it in time for England’s World Cup match that afternoon.

My husband got paid today and the loan company have automatically taken the full loan amount from his account. So now the loan is paid in full, we have a fabulous new TV and we don’t have to worry about missing any matches or making loan repayments for years to come.

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