Everyone is giving you advise that I would repeat, so enough to say, I'm sorry about your paycheck. That's just not right.
Mack and I started a trash service in rural areas around here years ago. It was our start on being self employed. We charged $8.00 a month for once a week curb service. I use to have to grit my teeth with the people who "didn't want to write and $8.00 check once a month" so they waited for 6 months to pay. Would have been fine if they paid in advance, but most paid in arrears. I just couldn't get thru to them that, if 10 people did that, that put us $80 a month short, and $80 to us at that time was alot of money. We were building a business and the first couple of years, we lived on below poverty wages. I would just have prefered everyone to pay once a month. That kept our cash flow even....but try to explain that to some people, or to your creditors:)
Becky
Then or now, $80.00 is quite a sum of money when things need to be paid!