[shelbylovesmelby]

ok this isn't a saver but in a way it is.... if we have extra $ @ one point I'll pay extra on my utility bills, so if I over pay it reduces my next bill & if dh's pay is less I've got a smaller bill to pay than if I didn't over pay. There are alot of weeks where my dh gets laid off for a week & if we weren't ahead on our bills we'd be up a creek w/o a paddle some weeks.