<prompt> Human: I have been struggling with various payment dates for years and this has probably cost me hundreds of late fees and aggravation. Im finally able to have everything auto billed on the 1st of the month and I wont have to worry about everything being taken out from the middle of the month.This is a huge victory for me haha since now my wife can see that since the bank account has ZERO in it, we cant just spend the money that she normally would! Heh, shed normally see that theres money there and then would spend it, which would make it harder for me to pay down another bill later on in the month.Ive spent all day calling up my credit card companies and other loan agents to get this all straightened out.  <response>: Ok, now create a savings account, make sure some money gets auto-deposited there, and hidemake it hard to get money from that account. Savings are the next step after debt elimination. 