My procheckgress (what a name!)
You are very much like myself. I also was more willing to save than pay down debt and never wanted to take out of savings. It is a psychological thing, and even if it costs you a few bucks in the long run, if it makes you feel secure about your money, then keep doing that.
I also, have always seemed to run out of money before the next pay period. Luckily, my check is split into 2 payments a month. I agree with unclemick2. Already, although I get paid tomorrow, last night I deducted basically every bill that I have for the next two weeks, including savings. Now, I take the leftover amount, which for me is usually around $250 (I have budgeted myself pretty restrictfully - I know that's not a word) - to the point that all I have leftover is essentially what I need for the 2 weeks, but I try to limit myself within that $250 - that's for dry cleaning, food, gas, movies, all the miscellaneous expenses. I fill up my car with gas first, and try not to spend much money on the first weekend.
Once you have a lot of money saved, you'll be amazed at how much further that nominal amount will go (for me the $250). I think that once you have some security in the bank, and are not stressing as much about money, and know that you could buy pretty much anything that you desire (on a day to day basis, I'm not talking about a car or anything), that you become more satisfied with yourself, and may actually spend less money, or at the least may be more SATISFIED with the money you have, as opposed to the money you think you don't have.
I also have an "invisible cash cushion" in my checking account that helps me out with unexpected expenses, or just for things that I want to have, and don't budget for. That also comes in handy.
