what do i do?

It's a beautiful day here. And there will be xtra cash in my account. I have a few options.

-Pay AX more

-Put 150 toward my year end cruise

-Put more in the Serious acct

This brings me to a crucial point. I have not created a budget. Since I know what I bring in(it fluctuates w/i reason, w/the exception of 3 months a year when the difference can be approx 1k) and I know what I owe; I tend to write figures down and adjust about a week or so before payday. But I'm sure a key part of the plan is missing. I'll take a closer look at a budget by next week.
peace