Budgeting around the days you are paid
11 of them, grouped by the thing that actually decides how you should budget: how often the money arrives, and whether the amount is the same each time.
Paid every two weeks
5 tipsA biweekly budget template that works
Most budget templates are monthly templates with the word biweekly on them. Here is the layout that actually fits 26 paychecks.
4 min readCashrou for biweekly pay
26 paychecks a year do not fit into 12 monthly budgets. Cashrou stops trying to make them.
2 min readHow to budget on a biweekly paycheck
If you are paid every two weeks and budgeting monthly, you are doing a conversion in your head every single month. Here is how to stop.
5 min readSemi-monthly vs biweekly pay
Two paychecks a month, roughly. That is where the similarity ends, and the difference decides how you should budget.
3 min readWhat to do with a three-paycheck month
Twice a year you get a third paycheck. Your bills do not increase. That gap is the best opportunity in your financial year, and most of it gets absorbed.
3 min readThe method
3 tipsA budget categories list you will actually use
Most budgets fail from having too many categories, not too few. Here is the full list, and then the shorter one you should actually start with.
3 min readSinking funds, and what to actually put in them
A sinking fund is the answer to “why does something always come up?” Something always comes up because those things are predictable, and you were not counting them.
4 min readHow to stop living paycheck to paycheck
Sometimes this is an income problem and no budget fixes it. Often it is a timing problem wearing an income problem’s clothes. Worth knowing which you have.
4 min readWhen the amount changes
2 tipsHow to budget on an irregular income
The standard advice is to budget your lowest month. That is fine until you have a lowest month you cannot live on.
3 min readCashrou for irregular income
When the amount is different every time, a budget built on an average is wrong in both directions. Cashrou works from what has actually landed.
3 min read