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Bad things happen to good people all of the time, it's a fact of life. Unfortunately, with the economy the way it is, bad things seem to be happening to good people more and more. Consumer debt has skyrocketed and the average person barely has anything in savings anymore. These factors combined with the problems people face in everyday life can absolutely devastate a person financially in very little time.

It is a well known fact that a shockingly large percentage of people in this country now live paycheck to paycheck, or at least on such a small margin of savings that they have one or two paychecks put back in the bank at any given time. This is a recipe for disaster.

Why is this such a dangerous thing? Well, it doesn't take much at all for a person to get in over their heads in a financial situation. If a person only has a couple of hundred dollars in the bank, many different things could potentially wipe him or her out. Bad things happen all the time. A person' hot water heater could go out, their car could break down, they could have an unexpected spike in living expenses that completely wipes them out. This is especially true this time of year, when winter heating bills can hit a person hard, and all at once. Filling up a fuel oil tank or a propane tank can destroy an unprepared person financially.

When something happens like the things listed above, it's important to know that there's hope. If a person desperately needs a pick-me-up and it will only take them a couple of weeks to recover, a payday loan could be exactly what that person needs. What are payday loans? Payday loans are very short term loans, based not on a person's credit history but solely on the fact that they can prove they have a job and a valid checking account.