Pay Off Payday Loans Before The Holidays!

By Shawn Lee Martin

pay off payday loans
Presents For Everyone!

We have always taught visitors here at “Help With payday Loan Debt” that it is best to avoid the build-up of debt, and one way of doing this is to pay off payday loans BEFORE the holidays!

When people approach the holiday season and money is already short they tend to set aside safeguards and add to the problems by borrowing more money than they can afford to pay back.

This can lead to some serious debt problems on the other side of the holiday season.

People have been known to take months to deal with the left over holiday debt and some even end up doing drastic measures to deal with the debt!

Why does this happen?

Let’s explore some of the reasons below.

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Existing Payday Loan Debt

We have seen people over and over go into the holiday season already carrying payday loan debt and then they take on more loans to be able to buy presents and entertain family and friends.

This is a terrible idea and one that should be avoided at ALL COSTS!

Gifts and entertaining are foolish when one can not afford them and if a person needs to borrow money, especially high-interest short term money to achieve this they can not afford it.

I know this is hard to go through but living in reality will save people from the harsh reality check of having multiple payday loans and no money to pay them once the holidays are over.

Instead of the above behavior if you already have existing payday loans before the holidays arrive pay them off now and be done with them and do not take out any more loans!


This is one of the biggest reasons people end up in major financial trouble.

People feel bad if they can not buy their children and other family members gifts for Christmas and though we understand that feeling, putting one’s self in jeopardy to be able to do this by taking out loans that one can not afford to pay back is being careless and foolish.

There are alternatives to this and one may be surprised how much fun they can be.

White Elephant Exchange
Create your own exchange!

For example, entertaining family and friends can be done through churches and other public venues that will keep the costs down and promote fellowship.

Pot lucks and gift exchanges are all great ideas and can actually be more fun than just getting together with the immediate family.

A family that uses its imagination to create a great holiday experience is actually priceless, and that pun was intended. 🙂

Feeling Inadequate

Many people have come to us post-holiday and gave the reason for being so far in debt after the holidays are over as not wanting to feel inadequate.

This is flawed thinking at it’s best.

Think about it, if you are living within your means you should be filled with joy that you know where you are and you know how to move forward, not backward.

Instead of feeling inadequate you should be proud of yourself, you know how to deal with a situation and not make it worse!

Here is a perfect example of living within your means, and yes, we shop there too!


We all want to make our family and friends happy during the holidays, but we must remember where we are financially and where we need to be.

Taking on debt to celebrate and entertain is not the answer.

The best answer is to pay off any existing loans and come out the other side of the holidays with zero debt and a smile!

With a little creative thinking and planning and we can all be smiling and really be blessed this holiday season!

If you have existing payday loan debt you need help with we can be of assistance with that.

Check out our Payday Loan Repayment Plan we offer for fast, pain-free elimination of payday loan debt!

Once that debt is gone having a happy holiday season is much more obtainable!

We wish you a happy holiday season!

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12 thoughts on “Pay Off Payday Loans Before The Holidays!”

  1. Hey Shawn, I just wanna say that I really enjoyed reading your article on payday loans. A lot of people tend to feel like there’s no other option and quickly turn to these companies and end up getting caught in the loan cycle and never end up paying it off.
    I wish I would’ve came across your site a while back before I took out a decent payday loan, the monthly payment just pays for the interest..

  2. Honestly, i hate the entire industry of “payday loans”. It’s a business that is started to prey on the desperate and benefit the greedy.

    Sometimes just being honest with people and saying that your very tight on money and don’t have the extra money to spend on gifts this year is the best option.

    You could always make them a gift. This can be more thoughtful and literally won’t be paying for it for several months.

    1. Hi, Garen!

      You said it all when you said not paying for it for several months.

      I wish everyone thought like you do!

      Thanks for stopping by and have a wonderful holiday season!


  3. Your page looks good, it is the right mix of colors and you choice of pictures work well. What a niche you have with all the many emotions surrounding debt – fear, guilt, desperation, hopelessness. You do a good job letting your reader know why they have this debt and that creating more debt seems to automatically happen around the holidays. I would suggest that if you could make your reader feel better about themselves you would become an even better authority and have more trust. I could easily see this if you provided more information about the psychology of spending, especially when in connection with buying gifts. You could also do a section on social elements that make people overspend. Good luck with your site, I see lots of opportunity with it.

    1. Hi, Erin!

      Thanks for stopping by and I love your insights on the website.

      I think you have some really good suggestions and I am looking forward to exploring them a bit.I really like the idea of posting information on the psychology of spending. I think that would be a great addition.

      Thanks for the ideas!


  4. Oh, how right you are! You paint the picture beautifully of how we get carried away at Holiday time. I think you’re right that we feel an obligation to overspend – as if it is a show of love. More than anything we have to check our values. Isn’t is more important to have a great relationship than the value of having a nice gift. Some of the best and most appreciated gifts my mother gave were homemade (ie cookies, candy, and crafts). However, I like your offer of more info to get us out of the debt in the event we do overspend. My bottom line is aren’t there other gifts that we should consider that are free or close to free?

    1. Hi, Chuck!

      Oh, what a great comment you have left!

      So many people are hung up on the quality of the gift instead of the quality of the giving. This is so hard to work around in life and can really cause us all some serious and preventable situations that are simply not necessary to get stuck in.

      The best gift I have ever received myself was hand made and the gift was not the best part of it, it was the person taking the time to give it to me that made it so special.

      I know, even after saying all of that giving a vacuum cleaner for an anniversary is a bit dangerous……. lol

      Thanks for stopping by and please keep coming back 🙂


  5. Hello again, Shawn!

    Oh the joy of the holidays… the obligation to take part and spend exuberant amounts on gifts and festivities.

    I can hardly contain myself. 😛

    Holidays should be about being with those whom you trust and love, not some hyped-up shopping experience, in my opinion. This year, my wife and I are canning some goods and customizing the jars to look nice. Costs very little, and requires time and effort that I’m sure our loved ones will be appreciative of.

    I digress. Great post, and I’m sure every article on this site has helped an individual financially in one way or another. Keep up the great work, Shawn!


    1. Hi, Cory!

      Thanks for stopping by again 🙂

      This is a good time of year when approached in the right state of mind for sure!

      I love the idea of canning! We used to can when we lived out of town. I would love to grow my own food next year!

      I hope you have an awesome holiday season!


  6. This website is incredibly well structured and informative, i would love to give you some constructive criticism but i think its fantastic. I cant see many bad things about it. Well done!
    I will definitely be using this website in the future, i love how you have explained everything. You seem to be doing really well with it and the email subscription is right by the side, emphasised perfect for drawing new people in.

    1. Hi, Mathew!

      We try to make it simple and easy to get around.

      If you ever need our help please feel free to give us a shout!


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