What can you do when you are down to your last dollar? Many people will try to get a second job so that they are able to stay out of debt. If you do not have the time to get a second job, you can easily get Payday Loans and then you will be a little better off. If you do not know why you do not have cash, you might want to get a loan so that your family can live in a house and not have to go without water or electricity. It is a little harder to go places when you know you stink because you cannot get a shower.