Xmas is almost here and the desire to "spend spend spend" reaches us all once more.

Xmas does not have to be about money at all - it really does not. However, some people find the pressure to spend unbelievable and feel that they should be providing their friends and family with a certain level of gifts.

If you do not want to have to take out long term loans, max out your credit card or risk going overdrawn then a cash advance on your salary may be a good option this Christmas.

This is all Payday Loans are. They are an advance on your next wages. Then you pay the whole amount back when you next get paid and the loan is then finished. Of course you will have to pay some interest but sometimes this interest is cheaper than the interest you would pay on a credit card or an overdraft from your bank.