Well, it is easy to find yourself in quandary especially when it comes to payday loan. My husband and I have also faced this dilemma when before we decided to find our growing family a new home. We own a one bedroom house and since we have now two kids, we needed more space. We took time to looked for a lot of financing services being offered through our banks and even the internet payday loan sites. We talked to a lot of people who shared their personal experiences about mortgage loans; we even considered refinance. We listed our pros and cons. We checked out the possible houses that would fit our family and our budget. We spent a lot of time, and we were rewarded with our new house. I guess, being patient is one of the virtues needed when you are considering a new house and your payday loan.