<prompt> Human: I just started my first stable job this year and I get paid bi-weekly so for the month of September I get 3 paychecks: on the 2nd, 16th, and 30th. I am currently living paycheck to paycheck while contributing to an emergency fund and aggressively paying down some credit card debt. I use a monthly budget and I want to use the extra paycheck to pay down more of that credit card debt however it does not really feel like an extra paycheck. I used the paycheck from the 2nd to pay the bills due at the beginning of the month and the paycheck on the 16th to pay the second half of my bills for the month. The paycheck on the 30th will then be used for the first half of octobers bills, etc. So when do I actually feel the effect of this extra paycheck?  <response>: If youre really smart, you will bank it completely into savings. Most people wont recognize it is even happening and will spend any extra balance they have in their checking account.The third is really just a mismatch of traditional monthly expenses and getting paid every other week which loses about a day a month in alignment. 