baby, no. get out of that crap now. do what you need to do to get away from them, whether it be eat cup of noodles for a month or not get your nails and hair done, whatever. i fell into this once, where i needed to get a payday loan to pay one off, then i woke up. i ended up welching on them to get away from them, then dealt with collections in a manner i could control, instead of them just reaching into my account and taking my money. once you are away from them, do an experiment. keep a small notebook in your pocket or purse and write down every dime you spend paycheck to paycheck and note what you spent it on. It will amaze you how you over spend, overpay, or flat out piss your money away. Then make the changes and get on the road to working to live, not living to work. good lord girl, i hope it gets better for you. these payday people are little better than loan sharks.