Thankfully I am really sensible and together when it comes to my finances, it comes from always having lived without much money I think — I am not poor by any means, I just don’t have oodles of cash to spare. As such I have never needed to take out huge loans or even needed a short term Payday Loan. I don’t want to ever have to either, but I can see how they are very useful for those who find themselves in sticky situations!
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