My wife and I have gotten really behind on a few of our bills.  I am not really sure how it happened but it did.  My wife thinks that we should take out one of those payday loans so that we can catch up on them.  She thinks it will be cheaper to pay the fees on the loan than to get hit with the late payment fees and a few over limit fees on the credit cards.  She has written down what the fees will be if we pay these things late.  If I can find a payday loan for the amount we need that has reasonable fees I will apply for one.  I think she is probably right.