I am 48, single, no kids. I am a health care professional. I feel that I'm generally a very good saver and a not so good budgeter - hence the credit card debt payoff I worked through in 2020.I received my WGI, or my raise, as of May 31st. It's a little less than $4k annually, or $144.80 biweekly. Maybe I'll clear $100? I don't have any plans to spend it. I will save as I normally do. If I build up extra money in my checking it will go towards paying down any debt.
Next month is a 3 paycheck month. My only biweekly bill is my mortgage. Everything else is set up monthly. So that paycheck should go towards building up my checking after the mortgage payment.
June 8th, 2026 at 09:25 pm 1780953936
June 9th, 2026 at 12:19 pm 1781007584
and yeah those 3-paycheck months are the absolute best when you only have a biweekly mortgage to clear against them. literally an instant cash buffer.
if you want to see how much that extra 144 overpayment actually chops off your overall interest long-term, try messing around with debtpeek. they have a free mortgage amortization calculator that doesn't have any of those annoying signup walls or account nonsense. it’s a huge eye-opener for maximizing that extra check. good luck with the pay down!