Smart SpendingCOMMENT I will say this, I use to work for a PayDay company and people use them for everyday expenses and emergencies. But what may be a emergency to you may not be to someone else. Things like kids needing school clothes, getting extra money for Christmas, going on vacation were some of the reasons people used payday loans. 7/23/2012 | | Smart SpendingCOMMENT I will say this, I use to work for a PayDay company and people use them for everyday expenses and emergencies. But what may be a emergency to you may not be to someone else. Things like kids needing school clothes, getting extra money for Christmas, going on vacation were some of the reasons people used payday loans. 7/23/2012 |