The reality of modern life is that you are not always ready to pay a bill when it arrives. There are easy ways to set a good budget, but only if the bills are on a regular schedule. The rent is due on the first of the month, so it is easy to plan for that part of your debt payment, and the credit cards are usually billing on a regular schedule too. The problem comes into play when there are other expenses and bills that come about without warning or without time to prepare. You can’t be too sure when a car repair or medical bill might pop up, so once in a while you are going to come up short. When the bills are greater than the pay, there are ways to get around the issue.
Loans of all kinds provide money to be spent on bills and other debts. Long term loans are good for mortgages and other capital purchases, but if the need is only for a quick bit of relief, then you should think about some other kinds of fast loans. You can get a home equity loan if you own a house that has some equity built in, but if you are renting you’ll need to consider something like a payday loan to get you rolling again.