Foolish as it may be, I load on Fridays, which I figure is payday for many. Since I generally can't finish on Fridays, some get loaded on Saturdays. (yes, I know I have just admitted to being a slacker). Then, due to my schedule, I slam another load on for the first of the month, to round the cards out to $5k. I have a quite a few "old lady cards" and due to their age, the ladies' cards get loaded at the beginning of the month when the government pays em.