With Christmas just around the corner, a lot of people are already in the middle of their Christmas shopping. Some started their shopping during the summer and are almost finished. However, with so many people to buy gifts for, some shoppers are in need of a payday loan in order to take advantage of all the great sales going on this time of year.  It pays to look at the ads, make your shopping list, and buy things on sale.  You get more for your money that way.  Just make sure not to overspend and stick to your list!