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If you have to pay it now, you have to take out a loan, ask for an advance on your salary or borrow money from friends or family. If it can wait, the amount will accumulate interest until you pay it back. If it's just one month out of twelve, and the other eleven you always have money left over, there's not really anything to worry about. Put the left over money aside to pay this month's expenses. Other than that, there are only two things you can do: spend less, or earn more. Sell your car, move to a smaller place, get a roommate. Cut whatever expenses you need to break even. Try for a second job, a raise, or sell something you make.


Gear up. Barrows is a high level mini-game that involves fighting 6 brothers and the looting the chest for a chance at their armor. You are going to want to be no less that 70 in each of your preferred skill. Magic would be the most effective as 4 of the 6 brothers are weak to an elemental magic, however melee and range are viable options as well. Take Plenty of food, and 3 or 4 prayer potions. Note that you require a shovel in Osrs, but not in RS3.
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Level 30-60: Cut Willow logs. Willow logs are fast exp, but their locations aren't normally quiet. You won't make much money with these trees, but enough to buy a Rune Hatchet (requires 41 Woodcutting). You can get magic seeds worth up to 150,000gp from birds nests here. Skip cutting down maples. These become available at level 45, but they are slow to cut down and not as good money per hour as willows.
Seek a payday loan or title loan as a last resort. Companies that offer payday and title loan services offer high interest rates (sometimes with percentages in the hundreds). If you cannot pay the loan and any interest back within the stated timeline, you risk even higher interest costs or, in the case of a title loan, the loss of your car. Avoid these types of loans in all but the direst circumstances, unless you are certain you will be able to pay the loan back.
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