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1. I am no expert in finance transactions and every now and than fall short of cash and thus I have to request my hubby to grant me some excess cash. I even have the tendency of over spending.

2. Other day I requested for a good amount for my shopping and he advised me to control my spendthrift habits and gave me the cash. However the advice was short lived as I picked a necklace from a known goldsmith; however I fell short by $1000. I told shopkeeper that I had fallen short of cash and would pick it up some other day but shopkeeper was vehement to let me take the necklace as he considered me his potential customer and did not want to lose me.

3. The shopkeeper magnanimously told me to get the cash from my husband and pay it with in next 2-3 days. Now I was in a catch 22 situation as I was afraid to ask for extra cash from my husband and he had advised me in the morning only to control my spending habits.

4. It was irony but I knew that I will wriggle out of the situation without asking for the money from my husband as I could get cash advance up to $1500 and my requirement was only $1000.

5. It was not the first time that I had shot off my proposed amount but that time my hubby always helped me and this time since his door was shut I took a payday loans of $1000 and decided to pay the same by the coming month pay check as this loan is generally available for 4-30 days.

6. One can understand pay day loans as the loans which are given for short term periods and for which generally no credit check is required and one should meet the qualitative requirement of earning minimum $1000 per month with a checking account available for past 3 months and of course being earning for past 3 months.

7. The amount is approved overnight as no credit check is undertaken and amount credited in account electronically. So whole fiasco was over without my husband knowing it and I paid the loan by the due date to avoid penalties and decided further to control my spending habits.