Payday Loans For Me?

Do I need a payday loans ? Right now I don't because I don't have a mortgage but I don't know what will happen in the future. Hopefully not! I will just do more extra shifts, overtime shifts, agency shift and any type of shifts so that I can provide the money to pay for everything. My only prayer is that God will give me a healthy body and mind all the time. Including my family, relatives and friends. Amen!