When you are having trouble with money there are ways to get help. First of all, you can always get a pay day loan if you work out a way to get around your bad credit. If your credit score is not up to scratch you will have no trouble getting the advance payday loan. But getting payday loans isn't a solution if you haven't learnt how to spend you money and what to do with it exactly. So pose this question to yourself: do you really know how much you spend every month? Make your budget realistic and write down what you really spend rather than what you wish to spend. Make a habit of keeping bills and going through them with a marker. Circle or underline all the purchases you deem unnecessary and check out the total sum. Shocking? Add the ‘small' change you spend on coffee breaks, chewing gum, and snacks out of vending machines and the sum will be not so small after all. Now that you see the impact of profligate spending, you will value your money more and can use your bad credit loan on something that will generate money and make it grow.