I made a time line and figured out when I should pay what. I am going to change my automatic savings to be monthly and occur with a pay period.
This has all of my regular expenses. I have $1000/month for my credit card which is an over estimate, I only charged $700 the last few months. And often charges have funds designated in a savings account.
The only other bill on here is K credit card, but according to this I will have about $3000/month (plus any extra income) to put towards the balance. Minus any other bills or things that come up. We'll see how this prediction holds out...
Now to go change the automatic withdrawals...
(updated - pay dates switched)
Time Line
December 29th, 2011 at 07:12 am
December 29th, 2011 at 05:36 pm 1325180164
December 30th, 2011 at 04:38 pm 1325263138
I was having my automatic savings go to accounts very frequently, and looking at my bank statements they are mostly these withdrawls. And my balances were changing so frequently it was hard to see what was going on. In retrospect it seems like a really obvious move to have monthly withdraws that correspond to income deposits.
But if everything were obvious to me I wouldn't be here trying to figure things out.