Sigh. yeah, you’re likely right. It’s just hard for me to go directly to the bank and bypass “go and spend”. The only way it seems like I can control that is to rigidly stick to a literal plan: Friday- pay X creditor, Saturday, pay Y creditor. I don’t know why, but when that plan goes awry, it really throws me for a loop.
It’s better now that I figured out how to do electronic deposits through my phone and have regular amount(s) from child care coming in on a weekly basis….but now that I’m making fast progress, i just want to pay it off NNNNOOOOWWWW !!!