Are you currently running behind on your bills due to financial hardships?  If so, you may find that you are accumulating excessive late fees and interest.  For example, if you fail to pay your credit card bill on time, you will not only have to pay interest on your unpaid balance, but also a late fee.  Some credit card companies may even increase your annual interest rate because you were delinquent with your payment.  In the end, this could cost you a ton of money!

If you're late on a utility bill, not only will the company charge you a late fee, they may also disconnect your electric or gas and then charge you yet another fee to restore your service.  The same holds true when you default on a cell phone bill.

In order to avoid such excessive fees, it is a good idea to pay your bills on time, but if you're short on cash, you may want to consider applying for a payday loan - a short-term loan that can be deposited into your bank account within a day's time.  Payday loans can be true life savers and offer financial relief when you need it most.