Timing

Timing is everything. In my case, it's working against me! One of my new expenses, my dental bill, is $176.25 per month minimum payment. It's due by the 2nd of the month, which I have budgeted in my paycheck that hits on the last day of the month. Now, since I can't get the payment there in time (online bill pay) in the 2 day window from payday to the due date, I planned to pay 2x last month and get ahead. So I made my first payment before August 2nd's due date, and then I made anothe payment after the due date for the next cycle. However, I didn't time it right and the payment was credited before the statement cycle ended. Since it's a minimum payment, it doesn't roll over, so I have to come up with an extra $176.25 before the 2nd of September and start all over again. On the positive side, it puts me ahead of schedule to pay it off, but it makes things tight right now.