Last year was cold here in Denver and we payed a lot in heating costs because our daughter was only a year old and we had to keep the house warm. I told my hubby about a website that can help us a lot and it’s called paydayone.com. At this website, people can get payday loans like we did to help their cash flow when they need it the most. We are doing better now, but are still going to buy cheap presents for Christmas to be smart. Having money saved is smart, just like it was for us to get loans to help us with our bills in the tough financial times we have had over the past year.