I agree 110%. I don't have children, but I do have bills (Just like the rest of us!) But getting paid two times a month, its pretty tough for me to always get my rent in on time. Most of the time the first check of the month goes to the previous months rent, that's just how it times out for me. And then the cycle continues. Also when I spend the majority of the check on bills and then only have about 40-50 dollars to get me through the next two weeks until the next pay day, its really tight! I can't imagine what I'd do if I had little ones to care for! Great Idea Colleen!!!! 