Today I started setting up a pay day spreadsheet

and discovered right off the bat this new pay schedule is going to create more problems than I thought it would originally. I thought at first it would work out to be real close to the same amount every pay day UNTIL I remembered dh works four nines and a four each week. Since the pay days now have the cutoff dates of the 28th/30th/31st and the 15th that can vary the paycheck considerably depending on when those dates fall. I checked out the next four months and discovered the checks will vary in size from one check with 98 hours on it and about 3 with just 84 on them in a row. I’m really going to have to watch the budget closely with that much of a variance.
I’ve fixed up a spreadsheet that I’ll be able to glance at for each pay period when doing the budget to see the approximate size of the paycheck and adjust that two week budget accordingly. Next I’ll be marking estimated hours on my daily/weekly/monthly calendar so that I’ll know ahead of time the approximate paycheck size and adjust the budget before as well to accommodate the bills correctly.
I’m thinking that we are all getting cabin fever so bad so we are playing too much with numbers. I KNOW that dh is so tired of working and wants to retire so bad that I have GOT to find more gazelle feed asap.

Monday night I noticed

the numbers on my snowball calculator were not matching up with the actual balances owed. For the most part it is because the interest rates are to the 100th decimal point on the websites and the spreadsheet only does to the tenths. Not a big difference, but I did notice two really big things on it as I poured over it trying to figure out how to cut the number of months off until I can scream I am debt free. One was the spreadsheet is NOT going in the lowest to largest payoff order. Explanation: Once I complete this little BOA later this year it starts calculating on the Best Buy automatically. Only there are two other bills with lower balances than BB at that time. Hmmm wonder why that is? Could it be because at the time I started the calculator a year ago BB was lower than those two, but due to their stupid tax and lower payments they slowly slid to the number three (four) spot in the payoff order?
Next was an even bigger item. I realized that for some reason my little Chase card is showing on the spreadsheet two full payments behind my actual balance. Now this is a very good thing (nearly $450 difference), but how did it happen? Haven’t got a clue on that.
So I spent all day yesterday playing with the snowball calculator figuring the three next debts first in the order the snowball calculator originally showed, then in the order with the error on number of payments, then finally with everything calculated and they all came out to be the exact same payoff month. Not sure how that happened considering BB is over $2,000 more than the other two on their current balances. So for now I left the snowball calculator alone since dh just loaded it on to his phone and telling him to change it at this point while he’s still studying it in the form it’s in might create more problems than it is worth.