In a nutshell...I got laid of twice in less than 12 months, and needed help so I acted out of desperation and took out payday loans, both online and locally. So far, I've been able to keep up on the payments for these things, but it's put everything else in jeopardy. My little girl will be two next week and it's not fair to her to have a mommy who's stressed out and worried about money all the time...it's time to take back control of my finances!
I'm so glad I found this forum yesterday...it's given me more hope than I've had about my situation in a very long time!