Answer:
In a recent study, most people use pay day loans for things that should never be paid for with borrowed money, for instance, an electric bill, or a phone bill, groceries, or missed car payments. But other people use that pay day money to go shopping and buy stuff that they don't need. So, if you keep spending that money on less important things, you will find yourself having problems in nearby future.
Sorry this is long, hopefully this helps!