@kaykay - It will be good practice to take loan of very small amount and commit the repayment period at the end of the month, then you will have at least 3 weeks to save some money each week to help you repay at the end of the month..
It is simply a art of balancing your lifestyle to make some saving every month - and if it becomes a regular habit of yours then eventually you will never end up in a situation where you will need payday loan ever again. :)