If you normally manage to spend less than you earn but this month has proven a problem (e.g. an unexpected bill not in your budget) then a payday loan is likely to be one of the more cost effective ways to bridge the gap.
If you need to borrow more than £750 and/or want to borrow for more than 2-3 months then you should consider an unsecured loan. We recommend that you take a look at Unsecured Direct Loans or Solution Loans who both have a range of options that could help you.
If you have been struggling to stay within your budget over an extended period and have already built up a significant debt you probably need more detailed debt advice. There are a variety of ways that could get you back on track.
The key to staying in control of your personal finances is to set a budget that is less than your income, and stick to it. This way you will be able to start paying off any debts you have, and eventually start to save for your future. If you exceed your budget in one area then you can reduce in another to compensate. But it does mean you have to monitor what you spend and where you spend it. This will take a little time each week/month, but it will be time well spent.