I’ve made a printable with potential expenses you may have.Īfter you’ve determined your bills and spending categories, decide what the average cost (or the highest potential cost) is for each one monthly, and then divide that amount by the number of paychecks you get in each month. In this way of budgeting you are assigning all of your paycheck to specific categories while keeping your expenses equal to or less than your income. So first, write down what bills/categories you have expenses in each month, quarter or year (like real estate taxes) etc… and then things you want to save for like home or car repairs etc…If you’re able, it’s nice to be able to save for vacations and holidays also. what expenses are likely to come up in the future like health care, car expenses, home maintenance, etc….what bills are due monthly, quarterly or yearly.Let me explain how this method of budgeting (sort of a zero based budgeting) can work really well for you too because you’ll know exactly how much you have available for each bill when they’re due. Now that doesn’t mean I’ve always stuck to the budget, but I’ve always had a target to shoot for. I’ve been budgeting for my family for 30 years. If you don’t easily know these things, it sure can be a tough way to live.
Or, are you adding and subtracting in your head to see if you can pay everything by their due dates? When you sit down to pay bills do you know ahead of time whether or not you have enough money in your bank account to pay them?
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