It is a new age, and it comes with a new financial product. I logged in to pay my car note, and I had the offer to skip a payment.

Wow, for a $25 fee, I can be in the same financial position as last month. Make no mistake; this is a dangerous proposition.

It is essentially a payday loan to yourself—putting a bandaid on the problem. Instead, finding the source of your financial trouble is much more challenging.

Prepare yourself because it will only get worse. Student loan payments will return soon, and you best believe they will arrive with a skip button (for $25, of course). Be careful out here!