I am really going to have to look for a better paying job.  I just don’t seem to be able to live within my means.  If I can’t find a better job, perhaps some financial counseling would be in order.  I have had to take out payday loans three times already this year.  I am always running out of money and then when something come ups where I need cash I turn to the payday loans to save me.  I am grateful that I have been able to use these when I needed to but I have to get control of my spending.