My line of credit is $10,000 and costs some interest if I dip into it, but you could also consider getting an overdraft.
Mine is good for $500 & is just $4.00 a month and an extra $3.00 if I use it.
Well worth it for an emergency purchase or consistently missing out on a deal.
Otherwise, you guys that get paid late like the first week of the next month, you'd just simply have to think ahead one month or so.