Thank you snb and SamT, yet again.

snb: The dates for december are working correctly, awesome. I noticed the user form code does some sorting on the sheet when i click the lbList Labels that I think triggers a sheet change event I use to make the line numbers and coloring to update as user adds or removes lines, causing several sorts to take place. I will focus on getting the sorting straightened out then we can look at streamlining everything and cleaning up the interface. My doe added zeros to sort the due date, but it keeps adding an extra zero each time you press it. need to find a way to eliminate the extra zero after the sort. I will try to incorporate your method.
I like the look of making a single sort function that we can pass the list index too, cool.

SamT: That EOM code did the trick.
I have the code working to insert the bills into the calendar now too.
And the payday hi lights ( 1st and 15th ) now is working - I am considering adding 3 options for paydays - every friday, every other friday or 1 and 15th. maybe check box. Currently I'm fixing the weekly sum feature, this will be a challenge (as if all before this was a cake walk, lol - thank you for the help)

I would love to have this project submitted for the KB, I would add the sheet based version I made too as an option, there is a lot of neat and efficient coding we used there. I started this project using formulas without vb so it could work on a microsoft surface RT tablet. We could add that as well.
I'll update with my next stage of progress - thanks to you both.
-mark