Several things not to do when short on cash

I know that times are hard but don't go around making them harder on yourself. There are several things you must never and I mean never do when you are short on cash. Here is a simple list and the whys are explained:

• Never use a "payday" loan place or a "next day" loan type of place. They will charge you fees up the ying-yang and an interest rate of 30% or more. Don't ever use them or else you will end up owing much more than you borrowed or could ever pay back. They are the modern day loan sharks that don't break your legs when you don't pay it back but ruin what little credit you have left.
  
• Don't ruin your credit score! Your credit score is used for much more than credit cards. Companies do run credit checks on prospective employees and will weed out the ones with poor credit ( a practice I would like to see banned). Car, home and some medical insurance companies will base your insurance rates on your credit score and not on your health, driving record or location of your home ( another unfair practice).
• Don't be tempted to do something illegal like growing pot, MJ or cooking up some other street drug. Once you are caught your life is forever rotten.
• Don't buy into any get quick rich scheme. Even at $29.99 they are usually a waste of money and $29.99 could buy you some gas to go job hunting or pay for your internet access fee.
• Don't ever think when you buy something frivolous, "it is only $10 or $20 and that won't break the bank", because some day it just might. Those little unnecessary purchases mound up over time and you can go broke because of it - I personally know 3 people that did.

Most of all hang in there - things will get better.