<prompt> Human: For the last couple of months, Ive run into emergency after emergency with very little in terms of savings. So I took out a payday loan to help me bridge the gap. Then another. Then ANOTHER. And right now Im looking at 3 payday loans in an everlasting cycle. The total of the loans comes to around 900, then the interest rate makes it 1050. I need serious help to get out of the cycle. Ive applied for and will be starting a second job on nights and weekends next week to try and have the extra money I need for circumstances like this. What other options do I have, and how should I make sure something like this doesnt happen in the future?  <response>: Cut back each time, ween yourself off. It is a vicious cycle that Ive been through before. There is hope though! 