Bad economy does not mean you need to starve
Many people are getting depressed by the bad economy and the toll it has taken on their overall financial health. They might even have considered payday loans help which can be a very short term solution. If you are forced to take a payday loan though, you might want to sit down with your bank manager and see what can be done as for getting a better rate loan.
You can also sit down and make a reasonable budget. Does the family really need four cell phones? Can you ride in the same car when going to work? Are you wasting food every week by throwing it in the garbage at the end of the week?