December is the time where many people need extra money for their Christmas shopping or year end overseas trip with their children during the long term school holidays. Some people may need payday loans to help alleviate their being short of cash to spend this December. Most companies give out their year end bonuses to their employees for their loyalty and hard work during the earlier months of the year.

When you are short of spending money this coming Christmas, payday loans will come in handy. There are so many web sites offering payday loans with no conditions attached other than you are required to pay back your loans eventually with interests. Christmas is a time of giving for the parents and time of receiving for the children. Christians around the world celebrate this season of joy and merriment with parties, Christmas carolling, and some will take the opportunity to do charity.

As for me, I might go to an orphanage and give out little presents to the orphans in Penang. But that is just a plan in the making. Recently, I was contacted by Citibank credit card representative who offered to give me an advanced loan to spend this December when they noticed a much much higher money was charged to my card for a brand new 32 GB iPhone 4, Orient Rewards discount vouchers, UniAsia Life Insurance Policies and some spending at St. Michael’s in Sunway Pyramid. In total, I chalked up more than $8,000 in credit card bills within a short period of time! In future, I have to be more cautious of my spending and not to spend too frivolously with my hard earned income. Money does not grow on trees and it requires your blood, sweat and tears to put bread on the table and to give allowance for the maintanence of the home to my retired parents. But thank goodness, I am blessed with more than enough to spend and do not require the advance pay day loan.