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By Martin Sumner

  January is usually a month when people find it hard to make ends meet. The excesses of the Christmas festivities often leave bank balances stretched to the limit, credit card balances worryingly high, and loads of competing demands on whatever spare cash remains. It's not surprising then that for many of us, our January budget is a real worry, and towards the end of the month cash just runs out.


If you're lucky, your bank account may be able to take the strain, letting you hold over dealing with some of your expenses until your budget settles down again later on. Or, you may well have some headroom on your credit card that you can use to bridge the gap, although taking out cash on creditt card accounts is well known for being expensive.

What can you do if none of these two options are available?

The answer is, for many, to apply for a cash advance. While cash advances are far from inexpensive, they are speedy to arrange and are obtainable by nearly anyone who has a regular wage and a

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