August 17, 2021 | Awake & Dreaming

So it’s been a little over a week since I moved to this current work shift of 8 am to 5 pm. How has it been going? Well surprisingly it has been mostly ok. The first week I have struggled to wake up at 6 am. I try to sleep by 11:15 pm and keep the alarm for 6 am. I usually wake up so tired and sleepy that I need more than just a cup of hot black coffee to wake me up. This week I have been waking up at 6 am but then resetting the alarm for 6:30 and getting another 30 minutes in.

I then get up and go to the loo and then brush my teeth. Coffee is up next and while the water is boiling, I switched the laptop on and connect the wifi. Coffee in hand, I’m sat at the laptop and checking emails and Facebook and all sorts of Youtube stuff. I start my work system at 7:30 am and start to read my email. My training batch starts trickling in by 8 am and I start the day’s sessions till 10:00 am. I send them for a break and I get my second cup of coffee for the day. I come back to my work system and relax for a few minutes with some music.

At 10:30 am I continue with more sessions and work with them till 1:30 pm and then give them a 45min break for lunch. I have mine and then chat with mom & dad and see if we need to buy anything like groceries or anything. At 2:15 pm we continue the sessions till 4:30 pm when I make them remember to shutdown the systems and send them to go and get their cabs. Then I reply to some emails and make sure that I do anything that needs to be done and make sure that I can shut off my work system by 5:15 pm and it’s coffee and snack time.

I will then get a coffee after the coffee and snacks are done and will be watching Youtube till 9pm. I have dinner and then watch tv show episodes and go to sleep by 11:15 am. Rinse & repeat!

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck. Payday loans charge high interest rates for short-term immediate credit. They are also called “cash advance” loans or “check advance” loans. If you are looking for payday loans in Missouri go through the details about the process first before you apply.

Payday loans are short-term, very-high-interest loans available to consumers.
Payday loans are typically based on how much you earn, and you usually have to provide a pay stub when applying for one.
A number of laws have been put in place over the years to regulate the high fees and interest rates with payday loans.

The basic loan process involves a lender providing a short-term unsecured loan to be repaid at the borrower’s next payday. Typically, some verification of employment or income is involved (via pay stubs and bank statements), although according to one source, some payday lenders do not verify income or run credit checks. Individual companies and franchises have their own underwriting criteria.

In the traditional retail model, borrowers visit a payday lending store and secure a small cash loan, with payment due in full at the borrower’s next paycheck. The borrower writes a postdated check to the lender in the full amount of the loan plus fees. On the maturity date, the borrower is expected to return to the store to repay the loan in person. If the borrower does not repay the loan in person, the lender may redeem the check.

If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees or an increased interest rate (or both) as a result of the failure to pay. In the more recent innovation of online payday loans, consumers complete the loan application online (or in some instances via fax, especially where documentation is required). The funds are then transferred by direct deposit to the borrower’s account, and the loan repayment and/or the finance charge is electronically withdrawn on the borrower’s next payday.