Me too.. same situation.. plus nice country club membership....just this second.. on line..looking at my account.. making sure all payments are made and trying to figure out what I will have left over and whether it is enough for a double or how long I can spend wiith my ATF..the good news.. I just noticed my wife got her Social Security payment.. that helps..  (Hint- move some payments later so the next paycheck will catch those.. that may leave some dollars for your ATF sooner than later..) what is your problem?