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However, its important to remember that the lesser of two evils is still bad. Other forms of debt are worth using as a last-ditch attempt to avoid a payday loan but that doesnt mean you want to become personal loan rates credit score 582 on them.
So once youve dealt with your immediate cash crunch, you need to avoid getting into this situation again. Even if better budgeting cant save you this time around, you should definitely tighten up your budget in the future.
At the same time, you should take steps to build up an emergency fund. That way, the next time youre strapped for cash, you wont have to choose between bad debt and even worse debt.
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