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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).


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.

I can SOOOOOO relate!

I joined the Fool in February, and started my budget in March. I have seen/experienced all the effects you mentioned. It's a great feeling.

Even better is deciding where the "hey, I didn't think I'd get that much bonus money on this paycheck" goes rather than knowing it HAS to go to some delinquint bill.

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