This plan sounds good–as is

Just make sure you have factored in groceries and misc.

Personally, I try to stay a month ahead of the bills—so I get to the point where I can pay a bill–the minute it comes in.

Of course, it took me time to be able to do this. Each pay period, I would pay what is needed to be paid and then I would see if I could fit one more bill into the mix. Eventually, everything was able to be paid ahead of time.

I just feel better being able to do it that way.