PayDay Loans

Payday Loans? I really can't agree with these things! I know that there are circumstances that come up where people may need quick cash fast but I would advise that you stay as far away from these things as possible. First of all the money that you have to pay back will be considerably higher than the money you get. Secondly you will be charged very high interest rates!

If you can manage it at all start an "emergency" account. You can start off with any amount of money that you have. Keep adding to it even if its just a penny! Soon you should have enough to put it in some kind of bank account - hopefully a bank account that pays interest. Keeping adding to your emergency fund and watch it grow. Don't spend any of it unless it is a real emergency and then replace it as soon as possible.