it would be nice to get paid
Our paycheck (we are AD Army) is always available to us the day before the 1st - so if the first is not a weekend (ie it's not until Tuesday of next week) then you won't see your check until Monday (which is still a day early!).
*This is a personal reply from me and not the official USAA policy or such. Just thought I'd help you out.
Money management seems to be the issue here. Like a previous poster mentioned,if one day makes or breaks it for you something is wrong.
Usaa has free financial advisors, I would suggest giving one a call. Unless your credit union has them free also?