using pay day loans is a bit like using overdraft protection
it can cover your ass from time to time, but if you make a habit of it you're always going to be broke.....gonna be impossible to get ahead
if there's anyone who knows anything about financial incompetence, it's me
I would gladly pay $20 for a $200 loan just to get me through until pay day rather than overdrafting my checking account or getting my utilities cut off.