Update after first Dave Ramsey class

Well I had my first Dave Ramsey Financial Peace class Sunday. Nice group and I'm not the only single LOL! odd number of people but 2 are brother/sister who just graduated and parents gave them the course as a gift so they could start off right. A couple leads it and 2 other couples joined- one has done it before (I'd started before but didn't finish when my mom got so sick) adn another couple is on 2nd marriage for both with teens and have never taken the course. The couple who have taken it before are sorta like me - they need the motivation and budgeting/advice. The new couple has some debt but said nothing huge other than mortgage. I like the group so far and think it will be nice to meet for 9 weeks. As usual I'm doing something and jumping ahead - but at least it was the next baby step...I was already through step 4 - $1000 emergency fund(beginner), debts other than mortgage paid, 3-6 months living expenses(a little skimpy here but could live with it), and 15% going into retirement funds. step 5 is saving for kids' college and don't have kids and already 47 so likely not gonna happen! so step 6 is to pay off mortgage so I looked up my balance at Fidelity that's left from the larger 401k I inherited from my parents- I spent some wisely and some not so wisely-and had dwindled it down to just $3000 more than what I needed to pay off my mortgage...so I called and got the ball rolling and the wire went through. I should be owning my home soon! YEAH! Now the problem is that I'm feeling relieved, excited,,,but also panicked...yes panicked! My budget isn't ironing out well enough - AT ALL! My first attempt I was 3x my takehome and thought I was being petty tight! oops! I got it a lot lower but really it's still tight. 2 reasons are - the amount I was spending on my mortgage plus a bit I want to tithe with to the church I've been attending (Found out I DID join 23 yrs ago but am inactive but can change that....)because I feel it's past time for me to do this. I like to give but have never been faithful about tithing for the 'boring stuff'. And also I want to keep putting $500 in the old credit union that pays a better interest rate - currently 1.5% I think and that's good considering nothing else is paying anything...I really want to keep building that emergency fund. I also used some $ to pre-pay my HOA which are currently $214 per month for my townhome - includes trash, water, lawn maintenance for common areas...and I went to capitalone360.com (was INGDirect for years when I first signed up) and opened more savings accounts for stuff I pay about once per year...I set up auto-deposit for HOA dues, property taxes, and Long term care insurance. also opened a reverse savings plan I read on someone's blog where the first week I save $52 then the 2nd week it's $51...and did the kid version where each week in Jan it's $12 then goes to $11 each week in Feb..this one I'm saving for my friend's kid's Christmas - though I may split it between his Christmas and bday or just cut back and use it for 2 kids' Christmas this year with more for little dude since he's my little dude. I'm debating other savings accounts (think I can have up to 20)for Giving Tree at church, car repairs, home projects..depends on how well the budget works out. I'm planning on a lot of overtime so that could fund some of these so I can leave the credit union balance alone (I can only put money in that credit union through payroll deduction so once I withdraw it's out and can't get back in unless I change the amount withheld and that's a pain...) and I also tend to get too detailed that I mess up the big picture...sigh... but in a way I'm excited - I need to get finances under control and spend time enjoying what I already have. :-)