Pay Day

Well, it's pay day today.... I try to have all of my automatic debits to various savings accounts, and visa payments come out on pay dates. That way, when I check my online banking in the morning, what I have is what i have. This works for the most part (except ING has a few days latency).

Of course, you have to keep in mind all of your fixed costs that may come out of your account throughout the weeks. If you feel that you always have less money the first half or second half of the month I would suggest looking at your cash flow. Perhaps one of your automatic payments should be moved to a different part of the month.

Give it a try to see if it helps you too!