i'm much happier the 2nd half of the month than the first half. the first half most of my money goes to rent and my dsicover bill. there is no room for me to play w/ the money and decide what to do with it. now the second half is so much fun. i have my car payments, car insurance, other cc bills (from any store cards i have an amex) and also money to play with to put into savings. how depressing that i have to wait 2 weeks just to get to the fun money playing time.