Steve, I try and give sound advice so if I was you I would ignore the neighbours and if you have not heard of a payday loan I would recommend a company called Wonga, their interest rates are very competitive at 23,675% and the money can be in your bank within minutes, your dark clouds will be lifted before the PL season kicks off.
Hope I have helped and you can also afford to come to Bristol on Saturday to support the Bluebirds, I am running a bus if you fancy it