Its best to pay off the payday loans first.
I actually wish you had it the other way round. Payday loans are short term and charge a very high interest rate. I wrote about it here:
http://gomestic.com/personal-finance/ma … il-payday/
So, pay off your payday loans and get a normal bank loan with reasonable interest rates. If you fall behind on payday loans, the interest becomes atrocious and you have a contract with them.
Lady_E is right. I'd also say drop every expense that you can... cable, etc. and get a second job that pays cash daily. Something like waiting tables or delivering pizzas. Hey, you'll hardly miss the cable if you're outside the home working, anyway.
you could apply for a crisis loan ( if your in the UK) from the DWP to help with everyday costs- they attract no interest.
Although it is no longer possible to get a Crisis Loan from the DWP, you may be able to get help
http://www.crisisloanhelp.com/social-fu … ne-number/
There are companies that can provide help to give you loan even if you have other pending loans. I suggest you keep track of http://goo.gl/yFPmZs as it can provide ways to help you get loans.
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