It still surprises me how much money people seem to have at the moment. Many people seem to have been abroad over the holiday and can still afford things like gym memberships, DVD's, technical gadgets and still manage their bills and things. With people not often talking about their finances, it can be difficult to know how they are actually managing. I do wonder whether people are using things like Pilot Payday Loans to help them along. These can be great for emergencies and cheaper than some other types of finance, but it is usually better to plan your spending well, so that you know you can afford the bills that are coming your way. However, there are sometimes situations where you can need unexpected money and so this can be really helpful. I am sure that not everyone is using payday loans, but their growth certainly indicates that a lot of people do use them. I suspect that many people use credit cards and loans as well. Getting credit can be a way of getting things that you cannot afford and when times are tight it can feel that you are not getting enough treats at times. Sometimes we just need to splash out to preserve our sanity and treat ourselves so that we can have some relaxation time. It may cost more money in the long run, but if stress is costing us our health, then it could be worth it.