This little secret I am about to reveal, some of you might be well aware of it already. However, for those who don't here is an opportunity to secure a small loan without ever having to set foot in the bank. This method I refer to as "Partnering" may be known to others as "Payday Club" etc.

Say you need a couple hundred dollars to buy some household items, to make a small down payment on an item, to repair your car etc. Providing you have a job and is taking home a weekly or bi-weekly check, your problem can be easily solved.

This is what you need to do: talk to your co-workers, say there are 20 people or more working at that job. Suggest to your co-workers that you all put aside say $50 per week. If 10 people agree, for the first week the amount collected would be $500. This amount would be given to person number1. The second week's amount of $500 would be given to person number 2. Since there are 10 persons in this saving group, at the end of 10 weeks, person number 10 would be the last and final person to collect their sum of $500. This process can then be repeated. This can be done within your own home and also among family members and friends. Tell me what you think!