DH gets paid on the 15th and 30th (boy, it sure feels good to say those words.)

There isn’t a lot of projected cushion for each check—(I’ll know better after the 1st one), so I have split up the checks so that X bills get paid from the 15th check and X bills get paid from the 30th check, and I’m taking 1/2 rent and 1/2 gas budget out of each check (rather than all from one check)

I split up the bills by due dates. I have bills due 3rd – 12th, and bills due 22nd-29th (oddly, nothing in between those dates.) It comes out about even (2067/2077) for each period.

Is there a (better) way to do it differently? As it is, I’m thinking I would pay the bills due 22nd-29th out of the check on the 15th, and the bills due 3rd-12th from the check on the 30th. I’m obviously wanting to avoid any late payments–at anywhere from $5 to $35 per (x 10 items which charge late fees, it could be pretty hefty each month.)

Right!

I would cut back if I had a $500 water bill and if I used credit cards and bought unnecessary items I wouldn’t use a credit card nor would I buy those things with cash. I’m tight with buying however I buy. We aren’t in flood or tornado country but we are in earthquake area. I’m willing to have the card in case of disaster. If it costs me nothing and over the course of years I know myself to be frugal, and no one else is on those cards, it’s just a choice I’ve made. Even prospective employers and landlords look at credit ratings these days. Never had a huge salary and never got in debt trouble before or after DR so feel okay with it.