If you want a good budgeting software package try YNAB (You need a budget) at
http://www.youneedabudget.com/?AFFID=13464&utm_source=google&utm_medium=cpc&utm_campaign=(ROI)+Branded&utm_content=YNAB&utm_term=YNAB&gclid=COiXytb4lqcCFUbf4AodsmeQ6g. There is a short (45 page) PDF there that explains the system and many video's on how to use it. The philosophy in maintaining a budget works great, and includes methods for paying down credit cards. The software has the ability to schedule payments but once you get things set up (with a buffer) you will never have to worry about "specific" dates to make a payment and when your next check comes in so you can pay them.
I am in no way affiliated with the company, and in fact I just started using the system 4 months ago, but it has actually changed my entire personal financial picture. I strongly recommend it.
Take advantage of what they have to offer - read the short book - it shows how simple things really are.
You don't need to purchase their software to do this, but if you do I suggest that you spend the time and watch the video's so that you learn the right way to do things. They even offer free webinars on how to manage different parts of your budget. Take advantage of this free training, it really pays off. I know that saying all this makes it appear that the software is complex, but it really isn't. It's easy to use, but the small details are important and they teach you why. You learn right from the start how NOT to live from paycheck to paycheck, but how to build a buffer so that you live this month on what you earned last month, and save what you earn this month so that you know exactly what you have to budget for next month.
You can download the software and try it out, they have a trial period. If you like it it costs $59.95. In my opinion, a wise investment - one that has paid for itself many times over already in the 4 short months I have used it.
