[msnln]

Broken Arrow,

I know exactly what you mean. I look at my budget constantly too and try to figure out ways to reduce each budgeted item. One way I have come up with minimizing interest payment is utilizing home equity line of credit (HELOC). My Chase HELOC has bill payment feature and it works great for me.

When I get paid, I put all my pay check into repaying HELOC, then schedule my bill payments from HELOC. By doing this, I save interest on the line, and the bank guarantees bills will be paid by the due date I specify. By using this methodology, I know exactly how much goes where just by looking at the transaction history of HELOC.