Too much month and not enough pay is a common refrain and you always had the option of taking a payday loan and paying the extortionate interest rates the lenders offered although the rates flash across the bottom of the screen so and in such a small font that unless you spent some of that loan on a decent pair of spectacles you would miss it.
The good news is that Britain's biggest-remaining payday lender, QuickQuick is on the verge of collapse and could be placed into administration within days.
The move comes a year after Wonga, the previous biggest lender, skipped into insolvency after new affordability checks made it harder for them to target its main demographic, the people who could barely afford the repayments and therefore racked up huge bills.
Taking a loan from QuickQuid came with an eye watering 2278% APR and a £10-£14 admin fee per every £50 borrowed and as the QuickQuid's website refers to 'over 1.4 million customers', that's a decent chunk of money taken from some of the poorest in British society.
The cracks in the payday lending sector began following the introduction of tougher affordability checks and a cap on the cost of short-term credit for consumers.
While loan companies like QuickQuid made it amazingly easy to get the money, when they were made to stop exploiting the low paid and jobless, the profits began to dry up which showed who their business was aimed at all along so we should celebrate the demise of another yet deceitful, shameless business.