There are times when payday products make sense. They’re designed to be called upon in emergencies. By emergency, we reference things like the unexpected expense of a car or boiler breakdown, unexpected bills, or medical expenses. These things can’t be helped but require a quick injection of cash to recover the situation. They usually have an impact on your health, wellbeing, or financial security.Our advice would be not to use them for everyday spending on non-essential items like clothes, shopping, gifts, gambling, or arrears in other finance agreements. If you find yourself in need of money to cover those…