Whenever I get my small savings/slush account up to a few hundred dollars, I transfer $50 here and there to my home equity loan.

When I looked up my loan status the other day, it said that I didn't owe a payment until April.... GRRRRRR..... that means that I am prepaying the loan instead of applying the extra payments to the principle. I haven't been able to get to the bank to ask about it.

The normal payment date was approaching, so set up a transfer for regular payment amount from my checking account.

Guess what happened...the payment was automaticlly withdrawn from my checking account, so I ended up paying double. Since I have a budget worked out this month, I know how much I need to keep in my checking account at all times. Anything extra gets deposited in my ING account.

So I decreased the amount that I have scheduled to be paid on my 0% Discover card, and everything worked out fine. And my Home Equity Balance is that much lower too!