There are two kinds of people:

1. Those who tell their money where to go.

2. Those who wonder where it went.

I write out the checks the day before payday and mail them after we make a deposit.

I have a spending plan, so I know how much I need to have in the account for groceries, etc.

The first check I write is a tithe check to my church. (Put God first.)

The second is to savings. (Save for a rainy day.)

The rest are written according to my spending plan.

To quote Debt Proof Living, make a plan, then live the plan!