Are you broke again? Need a pay day loan. Here are some tips to help you in the future so you will not need to resort to a pay day loan:

Make a realistic budget and figure your monthly and daily expenditures.

* Build some savings to avoid borrowing for emergencies or unexpected expenses.

* Contact your local consumer credit counseling service if you need help developing a monthly budget or working out a debt repayment plan with creditors.Ê There are non-profit groups that offer credit guidance to consumers.

Compare several of the links here and you will can see that rates vary considerably.