<prompt> Human: Speaking from experience, Ive never been good with money always living payday to payday lending money where I can. Once payday loans came about I got stuck in the dreaded payday loan circle, it started out at 50, then had to borrow more to cover the interest the next month.. I ended up getting myself in about 800 of debt over 2 companies in the space of about a year. Just dont do it, especially if youre not good with money, it gets you slowly but quicker than you realise.Im happy to say Im now much better with money and all my debts sorted. Except 2 credit cards which Im paying off as much as I can per month I now work on after tax, take home pay 50 bills 20 savings and 30 living expenses my budget and its working really well for me, would definitely recommend this to anyone.  <response>: If you are in the downward spiral of pay day loans. Know your options to get out. Each place has to offer a Grace Period. Which you contact credit counseling and break the cash advance into smaller payments over time. Ive seen people pay 50 a month until it was paid off. To qualify, go into your pay day loan company on or before your due date and explain you cant pay. They will then offer you the option.Source: I used to work for a pay day loan company. : 