I had this whole nice entry about budgeting & paying bills... then I lost it before I published it. And yes, it was human error

ANYWAY... I really like it when people show how they budget & pay their bills...its always interesting to see other people's processes, so here's mine.

I get paid bimonthly on the 1st and 15th. I have 2 checking accounts, which get direct deposit. ONe is for regular bills (gas, groceries, spending, student loans, medical, personal, car insurance, gifts, oil change, cell, cat, and clothes), the other for house bills (mortgage, cable, netflix, water, sewer, electric, trash).

On the first, I take 1/2 of my monthly budgeted amount for gas, groceries, spending & mortgage. Then I pay 1/2 of my bills. On the 15th I take the other 1/2 of my monthly gas, groceries, spending & mortgage & I pay the rest of my monthly bills.

This way, I pay everything on time, because A,B,C are paid on the 1st and X,Y,Z are paid on the 15th. It works nicely for me.

Sometimes I move money from one catagory to another, but I never had to dig into my savings. So if I'm under budget on gas, I may use the leftover for groceries.

Well, thats my system & it works for me!

Overtime Update: My goal has been 10 hours a week. I had 14 last week and only 6 hours this week, but it balanced out. It looks like our overtime is going to extend through April too (this has never happened in our department before). But its GREAT for me!! Mostly I'm sacking the money away, but I would really like a better digital camera (than the freebie I got from the bank). Its something that I've been wanting for a long time, so I'm going to put some of my overtime towards it. And I'm going to do a lot of research to find the best price out there