I realized exactly how different it was from the several hours long bill paying sessions I had just a short year ago.I didn't have to agonize over which bills COULD be paid this payperiod and which ones would have to wait. Which ones would have to be mailed a few days before the next payday with fingers crossed that I could avoid both late fees and overdraft fees. Which ones I could chance holding just in case something happened and we'd need cash. Which credit card had enough credit available to charge groceries, gas or take a cash advance on since the cash was gone.payumoff,Thanks for the marvelous description of a budget! I guess it really is a tool instead of a personal torture device.Good luck,Bruce
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