Most Helpful Guy
You're in a crappy situation, some of it because of your own choices, and some because of his. While you cannot do anything to change the choices he makes, it sounds like your decisions are screwing up your life as well.
My first point of advice is, STOP USING PAYDAY CASH ADVANCES. I swear you need a punch in the face for using it. It makes absolutely no logical sense for anyone to use this service. For a $200 loan, you end up getting service fees of anywhere from $20-50/month. Hello? That is 10-25% of your loan amount in 1 month. If you use that service every month, that comes out to 120-300% interest rate annually. You're better off racking up that on a credit card with 29% annual interest rate, although that isn't much better. Although Payday cash advances didn't make you poor, it's KEEPING you poor.
Second point of advice. If you cannot pay for electricity, why on earth do you have a car, which needs fuel, maintenance and insurance? The cost of owning a car usually comes at about $8-10 per day, excluding the value of the car. Unless it costs more than $300/month for your local transit, you might have to bite the bullet and ditch the car.
Local trips can be done with a bicycle. It may not be convenient, but I would think your child deserves a better life than wondering where the next meal is coming from, or whether the lights will be on that day. Loans from family and friends may seem attractive because they usually don't charge you interest, but bad because the person borrowing rarely pays back and will create strains on the relationship with family or friends. Better to be seen as untrustworthy by the bank, than by your family.
Lastly, although there are daily life stresses from money and your kids, never lose sight of the long term. All your efforts now are in vain, if you don't have a long-term plan to get out of the hole you're in.
Education and a roadmap to a better paying job? Family help for childcare? If you've accrued a lot of debt from bank/credit card loans, I'd even suggest you declare bankruptcy which is actually not as bad as people think.1
Most Helpful Girl
Cash advance loans are always way more of a rip off than anything else. Make an appointment with your bank and talk to a loans officer and get their advice on how to consolidate your debts. You probably don't even need much. You don't even need to agree to anything, just go talk to someone about options.0