No. of Recommendations: 41

It's not perfect.
It's still evolving.
I don't always stick to it as strictly as I should.
But I still love my budget and here's why.

DH gets paid today. The bills are already made out. Took care of that last night using Quicken. Took me less than 30 minutes and was stress free.

And here's the part I luuuuuuvvvvv...All the bills I had in hand got paid...most of them are automatic payments that won't be due til July 5th. There were several thru-the-mail bills that I have money to pay that aren't even here yet (Checks are made out and waiting). There's money left for groceries and gas...with a cushion. I had an extra $25 to double this week's deposit to the efund AND $120 to snowball to Discover. My first true big-time snowball payment. YIPPEE. Decided to give my MBNA payment a $20 boost to an even $200 since last month's minimum was SOOO close to the finance charges that were added. My statement just updated this morning (so I get to make the payment online before the paper statement even arrives with its due date of July 18th) and they've dropped the minimum back to $145...but I still paid the $200 so THAT was some extra snowballing that I didn't expect.

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.

So I may not be doing a Paid off Happy Dance anytime soon, but my toes are starting to tap just a bit.

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