i just paid bills, both written and scheduling payments on-line. I cleaned out the checking account for this pay period, leaving myself $4.10. However, I paid $750 in my mbna. My overall debt is THE lowest its been since I started tracking and being generally more frugal!!! That was around the turn of this year. Its fluctuated for the longest time and I've finally bought all the stuff I could want and have settled into a quiet routine that helps me see I have everything I need...and for now, everything I want.

This is fantastic. And to make the victory even sweeter, I have my needs covered with a good supply of extras on hand. This means no NEED to go shopping before the next pay period!! I think I will be okay and wont have to think about money until I'm paid at the end of the month. Finally, this is starting to pay off!!

To add to this, the water/gas bill was $30 lower this month than the last. That's good news.

I'm going to let this soak in for a while. Its a small step but in such a different direction from where I've been going. Wow.