biweekly calendar This is a topic that many people are looking for. thetruthaboutdow.org is a channel providing useful information about learning, life, digital marketing and online courses …. it will help you have an overview and solid multi-faceted knowledge . Today, thetruthaboutdow.org would like to introduce to you How To Align Your Bill Due Dates With Your Pay Days If Paid Biweekly Or Twice A Month . Following along are instructions in the video below:
“Guys and welcome back to my channel. So i recently made a change to one one of our bills and so i thought i would walk you guys through the behind. Making that change and also kind of just talking about how you can make the change. If you need to as well.
So if you re interested in hearing about that then please keep watching ok so before we talk about the changes that i made i thought we would talk about what our month. Looks like and so obviously i am. Predominantly a pen and paper budget er and so that s why we are looking at this instead of a computer screen or you know excel worksheet or whatever. The case is so first of all let s talk about these paintings we re gonna hit those first and i want to point so let me find me a pointer.
So this payday is my payday. It is actually a variable payday and what i mean is it changes from month to month. And it is also not guaranteed that it s going to come here. It is supposed to come the first week of every month.
And typically it s supposed to come like the first thursday of every month. But i ve gotten it as late as like the third week. So i don t really rely on this too much in fact. I don t really rely on it at all i really don t expect for it to come here.
So therefore i do put it on here as that day. But i don t really expect for it to come so with that being said our first full payday for the month of october will be this day. Here that is essentially a fixed amount. It doesn t much change.
It might change a little bit. But not too much we can pretty much always figure out or know like the amount that is going to be or around the amount that it s gonna be now. This is a payday for my husband and since we re here we ll hit his other payday and so he gets paid on the 15th of the month in the last day of every month. His paychecks are actually deposited into one of our other accounts and we actually don t live off of his income.
We live off of mine. And i don t really have any rhyme. We don t really have any rhyme or reason why we do that exactly but i think it came from back last year. When we started budgeting my husband s income was way variable like super variable.
I m talking like checks between like checks in the hundreds and checks in the thousands and he was getting paid weekly. And it was just way too too difficult and way too weird and so because we were paying off debt back. Then viciously. We just figured that we would kind of have a normal budget and pay our bills and expenses and such using my income and then all of his income would go towards debt and so that s kind of how it started and it s been the same ever since i don t really expect to really change it because it s just what it has been but yeah.
That s the reasoning behind that so these two are real paydays. But not really because they go to our savings account. Because currently we re saving money for a lot of different things that i will be covering in a future video in an upcoming video. So these don t really count this one.
I can t really count on it too much either so we essentially count on these two now. I do have an online business and a lot of those paydays which i have about five different income sources from that online business those start shrinking in around the 20th of the month. Actually in september..
I received one on the 17th. So i don t really know when they re all going to be like dispersed and deposited into our account. I just know that it s typically like somewhere around like the 20th of the month. I start to kind of you know hit our account.
And so those aren t really dependable really either because we don t know like a specific day that they re going to hit so we can t be like oh let s schedule. A bill for this day. Because we don t really know when that day will be so that s kind of like what s going on with the paydays. So now let s kind of talk about the bills.
Okay so what i have done is first of all i have listed all of our actual october bills. I also listed our november bills. But those are down here. So can t see those yaks.
I m super zoomed in and so i ve highlighted any changes and those are kind of bills that essentially fluctuate from month to month. So while these are the amounts for october. They re definitely not going to be the amounts for november also what i have done is i have calculated the bills that are due the first half of the month. Which is typically the bills that are due between the 1st and the 15th.
Because that s essentially the first half of the month. And so that is this amount now as you can see the amount is 9. 7. 9.
10. For the first half of october and 8 48. 38. For the second half of october.
But in november. There are going to be a little bit of changes to include our rent going back up to its new normal price electricity going down. And the personal trainer fees going up because. While i did budget 300 for personal trainer in october.
He s actually going to be going out of town in the first week of october. Which means that i won t train that whole week. So therefore the fees are going to be less or you know the amount that i have to pay it s going to be less for october. But as you can see here.
The first half 970 onine the second half 833 38. Now here s where it gets tricky. So what you re looking at now is actually not too terrible like the amounts are not that bad i mean like basically they are pretty similar. Which is what you want it to be especially if you get paid twice a month or every two weeks.
You definitely want your bills to kind of be even like let s say. If you got paid the 1st and the 15th obviously you would want like half of your bills to be due the first but then we know between the 1st and the 14th and maybe the other half do between the 15th and the 30th or the 31st or you know whenever the month ends and so that s essentially how you have to do it. When you re paid every two weeks as well and so that s why i like to see every now and again..
If our bills are pretty balanced. Now here s where it tends to get a little unbalanced. It tends to get a little unbalanced. Because of sometimes the electricity bill sometimes it ll be do you like at the first like closer to the first half of the month or sometimes the sixteenth.
I mean. It is kind of like the first half of the month. So sometimes it gets a little unbalanced especially in the summertime because the bill is like 300 and 250 and all of that but in the cooler months is not really unbalanced because this is you know budgets for the cooler months october and november. So it s not too terribly unbalanced.
But it sometimes does get a little unbalanced. So what i have decided to do as i have actually changed the due date of my student loan payment to be the same due day as my husband student loan payment for many reasons but also the prime reason is because of what i m about to show you so let s just switch our views to this other planner now and there s a lot of thought that goes into this probably way too much they need to be then there needs to be so. What i ve done is i ve gone ahead from november up until when this planner ends. Which is june and i ve kind of highlighted when my payments my my fixed.
Dependable paydays are going to occur. So. One is actually going to occur let me get my little pointer on the 8th actually i can just show you you know what it is that i m doing so the 11th and the 25th and then two weeks from that so the 8th the 22nd. The 6th the 20th the 3rd the 17th and the 31st that s unique is at 3 paid periods.
The 7th in the 21st and then march the 7th and the 21st. Oh that s cool i love when that happens and then april the 4th and the 18th and then may the 2nd and the 16th and the 30th. Oh. Another one cool and then june the 13th in the 27th.
So as you just saw more often than not my pay days. My first dependable fixed pay day of every month. Actually comes basically after all of our bills like majority of our bills are due at the current. Rate we re paying roughly 1000.
Because i got the number from here so like october is different because we have like a credit on our rent payment. So that s why the rent is a lesser amount. But for november. The number should be pretty similar to this so this on the third this on the fourth and this on the fifth.
And that s about a thousand ish dollars between the first and the fifth of the month. And i told you i don t really know when rent water is going to actually come out it may come out a little earlier but as you can see 1000. Right off of the top is going towards bills that first those first couple of days of the month. I don t really like that now it s not like a huge deal but it is a little annoying because that first check.
It s not like that first check is four thousand dollars and three thousand dollars or two thousand dollars. So having to pay this much this much as well as budgeting for food and groceries. Toiletries and all of those other things that you still have to budget for is a little bit difficult to swing this and it s a little bit difficult to swing. It unless you have like a buffer in your account.
Unless you are like month ahead on bills or unless you re like transferring from savings. Which is pretty much what we typically have to do and so that s a little bit annoying for me. And so i wanted to just make life way easier by moving this payment to the end of the month..
And so therefore when we come into the new month. It won t be so much money coming out of our check or the check that i m getting at the first of the month. Because not the first of the month. But like essentially this all of these are coming out of the check from the month prior so all of these three four.
But this one is unique because that s just a one time payment essentially those are coming from this check. And so like if we move to november. The via payday so all of the bills up until here are gonna come from this check. And so again that s just a little bit of a struggle.
It s not like a huge struggle. But it really would make life. Easier to just not have so much money coming out at the beginning of the month. Because basically what s taking place is the bills are being paid from the last pay day that hits the month prior so again on this day.
All of those bills essentially are going to have to pay that amount is going to have to pay for the bills that are due up until here and then the same thing for december. All of this is going to be taken care of all of this is going to be taken care of by this pay. Day etc. Etc.
If that makes any sense. I know that s quite difficult. And it might not be that easy to understand. But that s essentially why i made the change now one thing that i want to mention is let s say let s go back to october.
Because that s the month wax with us do september. So that s actually the month that we re in i ve already prepared the budget for october. So i ve basically just convinced myself that we re in october. But we re really not we re actually in september.
But let s take september as an example. If you got paid like the first of the month. And that s the only pay day that you had in the entire month. You could obviously just pay all of your bills on the first on the second or you can have them all do you know just throughout the month.
But still kind of pay them whenever you get paid if you get paid on the 1st and the 15th you can have bills due during this period. So that they ll all come out of the check that takes place on the first and then you know the same for the second half of the month. If you get paid once a week that s a little different because basically you re getting paid all the time so. When bills are due is probably not going to be that huge of an issue because you re getting paid a whole lot.
But for people who are paid bi weekly or bimonthly. I think it s technically what it s called people who are paid every two weeks. It s a little bit different because we never have the same paydays every month or it s just a a bit tricky so i don t know if this is a situation for you. But for me one thing that i think has always made it easier even when i was single and still had the same because i ve always mainly been paid every two weeks.
I ve only been paid. I was paid twice a month like once on the 15th and once on the last day of the month for like four months at one job. So mainly has been getting paid every two weeks..
So for me. I have always found it super easy to just have the bills broken up by the first half of the month. And the second half of the month. Because chances are when whenever a payday is going to come like let s say for the 27th chances are those are gonna cover.
Many of the bills for the first half of the month. Which is the case so many of our bills are going to be covered the first half of the month up until this payday. If that makes any sense. So that s essentially why i initiated the change again.
I know that was a little bit confusing because i probably almost everything that i do and say. It s probably a little bit confusing because like i said. I think way more deeply into things and i probably need to but i honestly think that especially if you re paid every two weeks like i am. It would definitely be view to just write all your bills down.
And don t even really so much worry about the pay days and just see how much i mean how much is coming out the first half of the month. And how much is coming out the second half of the month are really just how your bills are aligned and how you have them allocated and just remember that you can definitely change the dates for any of the bills. I ve never had a problem. I ve probably changed the due dates for like five bills or so i remember doing it for a car payment car insurance and i recently just did it for a student loan payment so i m pretty sure that everyone else out there can do it too so definitely consider doing that i know a lot of people ask me about that and they tell me that it s a struggle for them to you know pay bills because all of them are due the first half of the month or the second half of the month.
But you can kind of change. The due date so definitely feel free to do that if you wish i know some people even like split up their car pay and split up their rent payments and stuff. Like that you basically just have to do what works for you and like i said while paying a thousand dollars in bills. The first five days of the month isn t like super unheard of or super.
Difficult. Even it s still a little bit annoying for me. Because it s typically coming out. Those bills are coming from the check that comes from the month prior so that s why it s a little bit annoying for me.
And i know it s probably a little bit annoying for people who are also paid every two weeks. So anyway. I just wanted to share that with you guys i hope that it made sense typically when i don t think that i m making sense. Most people think that i am making sense.
Obviously if you have any questions leave them down below in the description box or hit me up on instagram. I respond to every single message that i get on instagram because i don t like the little notification it just annoys me. But what youtube. I don t get notifications because i have those turned off and so anyway your best bet is to hit me up on instagram.
If you have like a serious question. But otherwise like i said you can leave comments and such down in the description box. So i hope that you guys enjoyed this video. And i will see you in my next one ” .
Thank you for watching all the articles on the topic How To Align Your Bill Due Dates With Your Pay Days If Paid Biweekly Or Twice A Month . All shares of thetruthaboutdow.org are very good. We hope you are satisfied with the article. For any questions, please leave a comment below. Hopefully you guys support our website even more.
“CONNECT WITH ME!nWebsite: www.shaybudgets.comnFacebook: www.facebook.com/shaybudgetsnInstagram: www.instagram.com/shaybudgetsnPinterest: www.pinterest.com/shaybudgetsnAmazon Shop: https://www.amazon.com/shop/shaybudgetsnEmail: [email protected] Link to Chime Mobile Bank:nhttps://www.chimebank.com/?ref=shaymcmillannIf you sign up using my link, I get $10!nnLink to my customized budget kit: https://www.etsy.com/ca/listing/578283844/shays-budget-collection-planner-stickers?ref=shop_home_active_1 nniArtisans Etsy shop coupon code: SHAYM15 for 15% offnElaine Michelle Studio Etsy shop coupon code: ShayBudgets20 for 20% off purchases of $6 or morenhttps://www.etsy.com/shop/ElaineMichelleStudionnLink to my Amazon shop:nhttps://www.amazon.com/shop/shaybudgetsnThere you will find idea lists for all of the products that I ve reviewed or purchased from Amazon, to include different budget planners and even the filming equipment I ve used and currently use. nAdditionally, you can click on the link to purchase any item through Amazon which will reroute you to my Amazon shop. Ordering through my shop doesn t help you any (lol), but it allows me to earn a commission as an influencer – much like other affiliate links. nnIf you sign up for Erin Condren using my referral link, you will receive $10 off your first order, and I will receive a $10 credit to my Erin Condren account.nhttps://erincondren.com/referral/invite/shaymcmillan0915-9784nnLink to Join the Erin Condren affiliate program:nhttps://shareasale.com/r.cfm?b=1100573u0026u=1783395u0026m=71368u0026urllink=u0026afftrack=nnLink to Erin Condren website:nhttps://shareasale.com/r.cfm?b=995504u0026u=1783395u0026m=71368u0026urllink=u0026afftrack=nnLink to Erin Condren Life Planner:nhttps://shareasale.com/r.cfm?b=1042579u0026u=1783395u0026m=71368u0026urllink=u0026afftrack=nnLink to Erin Condren Deluxe Monthly Planner:nhttps://shareasale.com/r.cfm?b=1042578u0026u=1783395u0026m=71368u0026urllink=u0026afftrack=nnLink to Erin Condren Accessories:nhttps://shareasale.com/r.cfm?b=1042577u0026u=1783395u0026m=71368u0026urllink=u0026afftrack=nnDISCLAIMER:nI am NOT a financial expert, accountant, or anything of the sort. I am in no way qualified or certified to give financial advice. However, I am here to share my love of planning and also share what my family is doing to get out of debt and be better with money. If you are looking for financial advice, I would recommend seeking advice from an expert.nnHow To Align, Arrange Or Set Up Your Bill Due Dates With Your Pay Days/Dates If Paid Biweekly Or Twice A Month”,
Dave Ramsey, every dollar, every dollar budget, everydollar, zero based budget, Happy Planner, the Happy Planner, create 365, mambi, me and my big ideas, bud…