Debt, America's worst nightmare. Have you ever heard of the saying," money is the root of all evil, but at the same time, it makes everything go smooth. Well, it's time to rephrase that philosophy into something more like, "debt is the root of all evil." Many people, including America, are in debt one way or another. Debt is tearing everybody apart from their personal finances to everything that surrounds them.  The reasoning behind this cruel term is quite simply, it's not how much you earn, but how much you spend." Here are a few suggestions you could do to prevent yourself from falling deep down into the rabbit hole.

     •   Payday loans are great sources of short-term cash advance. For instance, if you needed to pay off your bill but don't have enough money to cover it and your bank charges you any non-sufficient funds as well as not cover the bill, then resorting to a cash advance may be your best option. Thus, getting a cash advance will pay off your bill and you won't have to worry about any non-sufficient fund charge on your bank statement. When getting a cash advance, it highly recommended to borrow only what you can expect to pay back.

     •   Consider working out a financial planner that lists of all your income and expenses. This may sound boring, but you will be amazed to see how much you are earning and spending out. Having a financial planner will give you an idea what you can do to cut back expenses.

     •   Last but not least, try changing your spending patterns by purchasing alternative items such generic bands instead of household names. For instance, studies has shown during a blind taste test, participants could not differentiate the difference between low fat generic cookies and regular branded cookies.

IMPORTANT NOTICE: Payday loans are primarily designed for short-term cash advances which varies from 7-31 days. It highly recommended to borrow only what you can expect to pay back.