I feel really good when I've successfully figured out some creative way to pay the bills in a tight situation without missing any payment dates or foregoing extra payments.

January is a big payment and paycheck month for us. It is one of two months during the year where DH gets paid three times. It is also the month our auto insurance is due.

The problem is that the bills are not coinciding with the three paychecks so that this month really doesn't help until the last day of January when he gets the third paycheck. By then all the bills have already become due.

So my plan is:

1) skip the 1st transfer of $460 that gets put into savings #1 for mortgage. (the payment for January is already there and this is for February's payment)

2) add 1st transfer of $460 to last $460 transfer so total transferred is $920 (1/31/2008).

3) only pay minimum of $96 on credit card at due date (1/7/08).

4) pay $737.30 (6 months--2 vehicles) auto insurance with Heloc funds at due date (1-19-07).

5) pay $125.59 additional funds to credit card on last payday of month (1/31/08).

6) pay additional $737.30 for total of $1037.30 on Heloc at February due date (2/15/08).

In between all this is also the truck loan, cell phones, medical bill, and Heloc payment due from the first paycheck; satellite, electric, internet/phone, water/sewer/garbage due from the second paycheck. The last paycheck will cover #2 and #5 from above plus truck loan, cc payment, cell phones from February. The last check also leaves us a surplus, which starts us out snowballing what's available for the rest of the year. I've done some figuring and it's rather nice.