EVERY PAYCHECK
Your monthly bills, added up—
Hold back for bills, every paycheck—
Savings and debt, every paycheck—
Spending money, every paycheck—
Total assigned—
LEFT OVER EACH PAYCHECK—
THE TWO 3-PAYCHECK MONTHS
Half your bills, the way most people do it—
Difference per paycheck—
Bill money that method collects in a year—
Surplus it builds by year end—
What one 3rd paycheck frees up—
Both of them, over the year—
THE YEAR
Take-home pay, 26 paychecks—
Bills, 12 months—
Into savings and extra debt—
Left over across the year—
IS IT WORKING
Bills as a share of take-home
Savings rate—
Spending money as a share
Months of bills already in the bill account—
Paycheck Log
One row per payday. What came in, and where you actually sent it.
| Payday | Take-home | To bills | To savings and debt | Spent | Left over | Saved so far | What happened this paycheck | |
|---|---|---|---|---|---|---|---|---|
| 1 | — | — | ||||||
| 2 | — | — | ||||||
| 3 | — | — | ||||||
| 4 | — | — | ||||||
| 5 | — | — | ||||||
| 6 | — | — | ||||||
| 7 | — | — | ||||||
| 8 | — | — | ||||||
| 9 | — | — | ||||||
| 10 | — | — | ||||||
| 11 | — | — | ||||||
| 12 | — | — | ||||||
| 13 | — | — | ||||||
| 14 | — | — | ||||||
| 15 | — | — |