The holiday season is filled with wallet-emptying mechanisms. Spending hundreds of dollars on gifts to prove that you love your friends and family has always been a silly notion. It’s the way you treat people, and not what you buy for them that proves your love. People often get caught up overspending in December only to realize in January their in more debt then they were the Christmas before.

Debt is something that should never be accumulated for foolish reasons. Taking an online payday loan to fund your X-mas shopping isn’t the smartest you’ll ever do. Getting a loan from family or friends during the Christmas season will be difficult for obvious reasons. That’s why so many people get a payday loan instead because of it’s quick and easy nature. But the truth is if you want to buy Jimmy that iPad he’s been begging for but if you can’t afford it don’t force it; It’s only Christmas.