New budget ideas
I read somewhere that while it's good to pay down your credit cards, you should also bank some savings. My budget seems focused on paying credit card bills and cutting personal spending as much as possible. Well, last September I signed up for online checking. It lets me see where my money is going. One of the services the on-line bank offers is automatic transfers. So I started saving an amount equal to my monthly credit card payments. I won't tell you how much I'm allotting, but I plan to have my credit card balance down to zero within 16 months. And I'll have a hefty amount in my savings account by then also.