As I explained before we have less income than less year and the same expenses. We have been trying to cut on food and home products but we still are short in money. Over the last few months we used our payday loan and credit card. As soon as the tax refund arrived in our account the payday loan was automatically paid and I already made a transfer to pay some amount of the credit credit card. Even so, we still owe some credit card money and I really want …