I'm Dr. Jackie, an interpersonal communication researcher/professor and relationship expert. And I want to help you. Just first to address the money thing, after we are able to chat on here and you are satisfied with my answer and "accept" my answer, you can always pay the difference via a bonus on Wednesday. Hopefully that will help ease your mind until payday.
If that is OK with you, then can you let me know so that I can go on to give you some recommendations? It's about 5:30 East Coast Time. I am available for another half an hour and then again after 9 this evening to respond.