Murphy’s law—just when you think you’re finally getting ahead, something happens.  Maybe, the water heater goes out, or the car won’t pass inspection and the mechanic says you need a new set of tires, or your teenage son, (goth’s own poster-boy) was an absolute idiot—again. You’re up all night, worrying and pacing with a sick baby on your hip and there is no money left under the mattress.

“This time, what’ll it be? Do I raise bail? Cut him loose forever? Do I have to take back the Nordstrom shoes?

“How did this happen to us?” you wonder. “We’re a well-adjusted middle-class American family struggling to survive. We pay our bills on time. We work ourselves to death.”  Unfortunately, the paychecks don’t arrive quickly enough.

Next morning you pass by a payday loan office and you wonder, “Should I?” Having trouble coming up with money in hard economic times is very tough to handle when you haven’t been in this position before.  You worry that there is a social stigma associated with these establishments, but you don’t really know if it is true. So, you drive on.

If this is you, ask yourself this: “What is more important?  Having money when I need it?  Or what will my neighbors think?”

Back at home, your husband mutters, “I really don’t want to ask your parents for help on the house payment, again.”

Does this sound familiar? If it does, you’re not alone. In these tough economic times, millions of educated, hard-working Americans are coming up short. When push comes to shove, one must put pride aside and realize that payday loan offices provide a valuable service — regardless of what you neighbors may think.  In fact, emergency loans are (often) the right thing to do: you get money when you need it and repay the loan when you get paid. It is THAT simple.