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Pay Day + Fat Checking Account!!

January 27th, 2011 at 03:02 pm

Today my DH got paid and tomorrow I get paid. This is a time of celebration for us as ALL his money went into savings and we are easily living off my money since we started on our spending plan on January 1. The checking acct is so flush that I paid off the Frequent Flyer VISA balance of $2,100 and we still have lots of money left over.

I need to remember, though, to stay on budget and not spend the extra funds. I am keeping the budget on Mint.com and many of the items roll over from month to month. We actually spent well under our budget this month because it contains amounts for clothing, car maintenance, vacations, and other expenses which we didn't use this month. That means I need to leave the money in the checking account so when we DO buy clothes or repair the car the money is there.

It feels SO good to be watching the spending so well. Not being frantic and a bit afraid by payday is a different feeling for me which I really like. I started my morning listening to a telephone debtors anonymous meeting and know that just for today I won't overspend. That is a great feeling.

Also, since I paid off the FF VISA, I will now use it just like a debit card and track it each day and pay it off from the checking account every Friday. NO MORE SCARILY HIGH VISA BILLS!!!!! YEAH!!!!

2 Responses to “Pay Day + Fat Checking Account!!”

  1. scottish girl Says:

    That's great!

  2. snafu Says:

    Leaving $$$ in checking is an invitation to spend in most households. Perhaps consider a linked saving a/c to sweep in 'leftovers.' You can transfer with a click on-line to facilitate your purchases. If you use your Visa FF card you build points and pay when due from savings. just a thought...

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