Prosper.com is a website that does micro-loans. Since I am really hard up for cash, I decided to put a listing up.

If you should choose to help me out, it’s all explained here. Basically, you bid on a portion of the loan (minimum bid of $50). If I get $3000 (the amount of my micro-loan) in bids, the people who offered the lowest interest rate then lend me money. If you are one of the lenders, you make some of the interest off of my loan.

Now, I have something going against me: my credit. My score is fair (around 650), but because my credit card balances are so high and I’ve had quite a few inquiries lately, it is giving me a bit of a sucky rating. So, I need to cash in some favors, dear friends. They have a thing called “endorsements,” where my friends can talk about how wonderful I am.

Don’t think I won’t be hitting you up and breathing down your necks to make you write these up. It could save my ass this month.

Also, I would really appreciate it if all of you with blogs could just throw a little plug out there about my quest to get a $3000 micro-loan and ask your friends/readers to post about it/post it in Facebook notes/etc. The payments would be a measly $90 a month, which I could easily pay with eBay sales, so you don’t have to worry about getting beat for money.

But I really, really, really, really need your help with getting this loan. I will hit all of you up in the next day or two when I see you. Don’t think you’re safe.

Folks, I’m at the point where I might have to turn this site into more of a professional-esque (i.e., money making) website. While it’s appealing on one hand, because we all know that I <3 making money in my PJs, on the other hand, it requires me to do things like selling advertising space on my site. Oh yeah, and updating with things that aren’t just “OMG I’M LIKE SOOO BROKE!” or “OMG! I STUFFED MY FACE SO MUCH TONIGHT!” (But, for the record, I’m thinking shrimp scampi in the next night or two. Whatever, a big bag of shrimp was only $15 and I can easily get four meals out of that.)

Yeah, so I need your help, friends. Please spread that link to anyone who might be able to afford $50+ and wouldn’t mind making a small return off of it. (Like more affluent relatives, friends of the family, the handful of you who could pool together $50, random strangers who might be reading, potential sugar daddies, etc.)

ILU!

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