We all have the same reaction: "I need it". And then we use the credit card or go to the Payday Loan Station or website.

We need to have four questions:

• #1 - Do I REALLY need it?
• #2 - Can I leave WITHOUT it?
• #3 - Is there a CHEAPER ALTERNATIVE?
• #4 - Will it make me HAPPIER?

Point #1: It is sure, I like it. Can I make the old one last? Is it just to keep up with the Jones? What is my real need. Can I use the return policy and get my cash back?

Point #2: I have a background of corporate buyer. In big companies, the best buy is the one that you don't do, because you save to your company the entire amount that you were going to spend. Good buyers never need payday loans. They buy the minimum they need with the cash they have on hand.

Point #3: Still the buyer speaking. There is ALWAYS a cheaper alternative. I suggest to go and shop around. Don't hesitate to negotiate or to trade in the old one (if possible). Shopping around has two benefits: it delays your acquisition (and delay the need to go to the Payday Loan station) and allow to find an item price in accordance with the cash you have on hand.

Point #4: Have you noticed that we are always dreaming before the buy. After the buy, you start to get the bills, the maintenance. And with the bills, again the need to go to the Payday Loan station. Once, I bought a car. The seller told me: "we are all slaves of our belonging". Wasn't he right?

If you respect those tips, you will have more cash on hand and less need for the payday loans.

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