![]() There are a few ways you could come up with your list. The best way to manage these bills is to get ahead of them with this free printable tracker. They could happen quarterly, seasonally or even yearly.Īn example of irregular expenses would be things like: birthdays, holidays, personal property tax, vacations, school dues, etc. Irregular expenses are expenses that occur infrequently. If you are a faithful budgeter, but still find yourself running out of money before you reach the end of your month Irregular Expenses could be to blame. If you’re rent is $1000 and you get paid 2x a month, you can set aside $500 every paycheck instead of coming up with the whole $1000 at once. Utilize the half payment method ( I talk about this method in my article about how to stretch your income) and split up large payments, your mortgage for example, into more manageable chunks. Or perhaps you can restructure how you set up your payments for high cost items. In situations like this one, it would be a good time to reach out to companies and inquire about a change in due dates. It allows you to see what bills need to be paid from which paycheck and potentially if you have more due than income. One of the chief troubles I hear from people is how difficult it is to manage monthly bills when you get paid at different times every month.Ī budget calendar can keep you organized. ![]() If you receive biweekly paychecks, semi-monthly paychecks or even weekly paychecks, a budget calendar can be a great tool to keeping your budget on track.Ī budget calendar gives you a birds-eye view of what your month look likes in terms of your finances. You can get personalized budget assistance and help with more complicated things, like negotiating with your creditors or finding out which financial assistance programs you qualify for.Keep Your Budget on Track with a Free Monthly Budget Calendar Seek help: The National Foundation for Credit Counseling is a reputable nonprofit organization that offers financial planning help.This doesn’t mean you deprive yourself of these things forever it just normalizes not spending as much money on them and finding cheaper alternatives. Do a no-spend challenge: Try to eliminate spending for a month (or several) on a problem area in your budget, such as clothing or entertainment.You can ask a lender for a modified payment plan or refinance your debt into more manageable payments. ![]() Negotiate with creditors: If debt payments are pushing you into the red, reach out to your creditors.But going through your bank statements to see what you really spend can help you find areas you can work on. Review your spending: It’s easy to guesstimate your spending with the calculator above.Find ways to boost your income: Whether it’s working a side hustle or a part-time job or asking for a raise at your current job, finding a way to boost the income side of the equation can have the biggest impact of all.Other: This is for all other expenses that don’t quite fit in any of the categories above.Savings and investments: Money that you regularly save for an emergency fund or vacation fund, as well as long-term goals like college, retirement, and a home.It also includes medications, glasses or contacts, and the like. Health care: This includes all the out-of-pocket costs for health insurance, dental insurance, and vision insurance, such as premiums (if they're not deducted from a paycheck), copays, coinsurance, and deductibles.This category also includes debt payments (outside of mortgages and student loans) and vacation expenses. Personal and family: Cellphone bills, entertainment-including TV streaming services like Netflix and other subscriptions like Spotify-fitness, pet expenses, household supplies, personal care (haircuts, toiletries, etc.), and clothing.Also include any student loan payments you have. for children in K-12 and adults going to college. Education: Tuition, supplies, fees, etc.Transportation: Public transportation like buses, but also car-related expenses, including your monthly loan payment, repairs, insurance, tolls, and fuel. ![]() Food: What you spend on food from the grocery store, eating out at restaurants, getting takeout, or meal delivery services.You can also account for other necessary housing-related expenses, like utility bills, homeowners or renters insurance, and maintenance bills. Housing: Your rent or mortgage payment.Income: Your total take-home income, including any money you earn from side hustles, alimony, child support, part-time jobs, etc. ![]()
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