With the credit crunch biting hard, people on the front line with real jobs and real bills have found it increasingly difficult to cover all their weekly and monthly expenses. Traditional borrowing has been relatively simple, but in the last two years its been turned into an uphill struggle for most people. Witness the rise of cash advance services and payday loans in place of regular lending. Below we have an account from Tony who works in a auto parts factory and gives his view on how its affected him
