Don't be a sucker. Stay away from Payday loans.

Image via Wikipedia The only way to avoid being bled by payday loan outfits is to stay the hell away from them. Evidence here.

You should never be in a position where you have to pay money to cash your paycheck, or to accept a huge interest rate because you need a couple hundred bucks to get to next payday.

If you are financially strapped and don't know how to get on your feet or get ahead, then you need to do one thing first, ahead of anything else:

JOIN A CREDIT UNION.

Salem has a number of them, no matter who you are you can join one or more of them.