The [poor] money managment skills of a poor, but resourceful, person.

Send in the envelope with the bill, but forget the check, wait for the company to call to say there was no check and then say, "Whoops! I'll get it in the mail today!" just to stall a few days while waiting for the paycheck in the mail.

Knowing that payday is still three days away, write a "bad" check for $30 over, deposit $20 dollars to cover the "bad" check written two days ago that is clearing today so that it doesn't end up "bad," and still have $10 in hand and when the paycheck is deposited on Friday, the second check won't be "bad" either.

Take out a payday loan to pay off another payday loan, and then two weeks later take out another payday loan to cover the second payday loan that covered the first payday loan while waiting for a student refund check to come in the mail. When refund check finally arrives, sigh with relief.