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We graft away all day, sweating our guts out and getting moaned at by the boss, and we’re still short at the end of the month.

That’s what it’s like, anyway, if new research from moneysupermarket.com is anything to go by.

The online giant recently found that the number of people taking out payday loans has increased by a staggering 130% since last August, meaning masses of UK residents need to take out a loan just to survive until their wages arrive in the bank.

That seems a bit off to me, maybe it’s time I asked for a payrise.  Now there’s a thought…

All those Pot Noodles and cans of Fosters cost something, and now it seems that the UK’s army of ex-students are paying the price for their university high life.

With the credit crunch firmly taking hold, graduates with student loans to pay off have seen the interest on their debts increase considerably.

It’s believed that former students now owe a total of £3.2 billion, and with more students passing their degrees than ever before, there simply aren’t the jobs around to ensure that it all gets paid back.

Opposition MPs have demanded that the student debt problem is addressed but, with more and more parents taking out secured loans to send their little darlings away to uni, it doesn’t look like there’s going to be an end to the debt spiral anytime soon.

It seems to me that everyone’s skint at the moment, and I guess that shouldn’t be a surprise, what with the price of petrol going mad, utility bills skyrocketing and the cost of food going through the roof.

I suppose it’s not really a shock, then, that more and more UK residents are turning to secured loans to help them get through the tough times.

Many people are finding they need the extra cash to pay for essentials like school fees and road tax, and they’re more than willing to secure their homes against the loan.

If you’re looking for a secured loan to help you get by, it might just be worth comparing your options with Accepted.co.uk.

As for me, I’m stocked up on lentils and tins on baked beans.  Ah, it’s just like being a student again!

Getting hitched used to be a case of a quick visit to the church and then down the local for pie and mash.

Not anymore, it seems.  Celebrity-fuelled desire for everything from doves in cages to bejewelled footmen means the cost of weddings is going through the roof, and, as a result, more and more people are taking out secured loans to pay for their big day.

Nuptials mag You & Your Wedding has offered advice to soon-to-be brides on keeping costs down and making that loan stretch just a little further.  They suggest cost-cutting moves such as reusing church flowers for the reception, slashing the guest list and giving Saturdays a miss.

It all sounds a bit much for me, I’m off for a pint.