There are times when we need extra money and my husband's paycheck has not arrived yet. It is very stressing when that happens and sometimes, it's not even planned. Before we would use credit cards everytime oopsies happen but now, we decided to cut off our cards and do payday loans instead. It helps us in times of oopsies and when my husband gets paid, we just pay it off. It's easy to pay-off and we don't need to worry about paying a monthly bill for it like a credit card.
We barely do any payday loan but if the situation calls for it, we just make adjustments on our budget that way we don't dig a financial hole for our family. We are striving to be debt-free in 3 years more or less and we know that when that time comes, our family will have more extra to spend on vacations and more money in our savings.
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