subject: Payday Loans and using credit responsibly [print this page] Before taking out credit take a quick look at your current situation and ascertain whether or not there are any other options open to you. One of the best options when you're looking to secure some more cash is to approach friends or family and ask for a very small short term loan sometimes this can be a more feasible option and one that will end up costing a lot less in the long run. Only when this has been crossed out as an option should you consider approaching credit companies or other institutions who can lend you credit.
