<prompt> Human: Throwaway because I am embarrassed as shit.I work at a university and I get paid on the last day of every month, over the summer we get half paychecks in May and August and then pay for any summer class paid in half in June and July. So the summer is a lean time anyway. I compensate for this by paying my bills ahead as much as possible. This summer I paid my daycare provider for the whole summer, my gaselectric, cell, and TVinternet. But, I did not pay my mortgage ahead. I looked in my checking this morning expecting my monthly paycheck, low and behold it is not there! I emailed the office finance person and she responded by saying they were moving to paying only once, presumably at the end of July. No notice has been given about this at all so Im sure she is in for a shitstorm of people especially poor grad students who desparately need this money and cannot work outside the university due to Visa restrictions. Through this experience I know I need to be more adamant about having a sufficient cash reserve so yep I screwed the pooch real fucking bad. I have an 809 FICO and I dont want to lose that by missing a mortgage payment, that is due tomorrow. Any advice would be deeply appreciated. Update: Thank you all for your advice. I just got done teaching so here is what happened in the meantime. I was told that the department was going to attempt to request an emergency payment, no details on the status of that as of now. I went to the bank and told them about the situation and they told me they couldnt do anything in the branch and that I had to call the mortgage department. I told them I had no intention of speaking to someone on the phone when I went well out of my way to go to the bank. So the banker called the mortgage department and they said since I am on autopay incidentally this is the reason I didnt pay my mortgage ahead they funds would still be taken from my checking account tomorrow and there was no way to stop it but they waive that overdraft fee as a one time courtesy but I would still be negative in my account and I would incur any normal overdraft fees for any further transactions. How nice of them! Needless to say, I am jettisoning US Bank at my earliest opportunity e:stupid thing to say, I have a good rate, Im just getting off autopay and only going to my local branch in the future.I am going to call my state department of labor to see if anything can be done.Also, I remembered I have a balance transfer check with a 3 fee and 0 APR for my CC that I can use for the 800 so the worst case scenario is a 24 hit until the emergency payment gets deposited. Edit2: I was upset when I went to the bank the first time and that didnt help when asking for assistance with something like this. I went to a branch where I knew the branch manager and told him the situation. He told me that he could get the transfer stopped and that since I was expecting to be paid within a few days that I wouldnt incur a late payment fee since I have a 15 day grace period. So I think Ill end up being alright and Ill come back later with my regular username to keep myself financially fit and sufficiently liquid. Assistant: Stop paying ahead on your debts and expenses rather than having an emergency fund. I can understand why this would seem like a good strategy, but youre seeing right now why it is not. Making payments ahead only kills your flexibility and saves you nothing in interest.You need to do whatever it takes to make that mortgage payment short of taking out a payday loan.Human: Alas, some lessons you seem to have to learn the hard way. Point well taken. I twisted some arms at payroll and they are going to process an emergency payment. The bad thing is the processing may tale longer due to the holiday weekend.  <response>: Typically your payment for a mortgage will be Due on the 1st, but not considered late until the 10th or 15th.I habitually pay my mortgage on the 12th of the month for my home and rentals. 