Level 2
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Debt management

Again, I keep reading your post to see if it would work for me,  And I do find it interesting to open a stand alone acct just for bills. But the last part  "About "Money Left over" right before payday add it to your balance that's negative" for myself" whatever I have left after paying bills, keeps me going until maybe a day or two before payday. There is never "Money" leftover.