<prompt> Human: My husband and I recently came into some surprise money that would allow us to be exactly a month ahead on bills. my husband wants to put it into our emergency savings account. that savings already has six months worth of money. we also have an escrow account which we use for foreseen expenses like Christmas, car repairs, glasses,etc that is full. we are saving for a car as well but I feel like we can save more if we did this since weve gotten a few fees from automatic payments coming out in between paychecks. so whats your opinion? put it somewhere in our savings or get a month ahead now that we can?Assistant: Would you actually already pay the bill a month ahead, or would you just leave the money in your checking account so that automatic payments can always be made, and you never overdraft? Human: I personally hate automatic payments and would rather take the twenty minutes a month to pay the bills and not worry about forgetting something is coming out.  <response>: I feel the exact opposite. I love automatic payments and dont want to stress out remembering to log in and pay the bill. I pay my bills in full every month and check my charges every so often. I keep a buffer in my checking so I never have to worry about overdrafts. 