Hey everyone –
I may be overthinking this but I figured I’d ask. I am paid bi-weekly and I’m kind of worried I budgeted wrong. You see – I simply took my after tax yearly income and divided it by 12 (thinking it would give me an average monthly budget). In the budget section of the subreddit it’s saying to budget for 4 weeks – instead of having a monthly average.
If I were to do this it kinda wrecks my whole budget (ie. my rent is 30% of my income… that turns to like 34%). But I don’t want to screw myself over either…….any thoughts? Thanks!
I budget as if I only got 24paychekcs. So 2 paychecks = monthly budget
I used the two extra ones to top up savings or use for my vacation fund
I have my budget set up monthly. I make sure all my expenses fit into my 2 checks that I get each month. The months I get 3 checks (2 per year) I spend the extra $ to go towards savings, pay extra to student loans, and I usually buy myself something (new clothes). So my 3rd checks are considered ‘bonus money’ and I make sure I can afford everything on the 2 checks
>If I were to do this it kinda wrecks my whole budget (ie. my rent is 30% of my income… that turns to like 34%)
No, you pay rent 12 times per year, so your rent is the same percentage of your income regardless.
The issue with budgeting your net pay/12 when you are paid bi-weekly is that 10 months of the year, you will be paid less than that amount, and 2 months, you will receive more than that, so you need a way to manage your cash-flow. The alternative to actively managing cashflow is to budget around the idea that most months you receive 2 paychecks, and then budget for your extra checks in the months you receive them.
If you are paid biweekly, budgeting in biweekly terms may be best for you.
Remember that biweekly paychecks means you get 26 vs bimonthly is 24.
It doesn’t really matter what interval you choose to budget on. It’s more mentally difficult to work with shorter time periods or longer time periods, so around 4 weeks to a month is the most commonly chosen option depending on your pay schedule. But it doesn’t actually matter, just pick one that works for you.
> my rent is 30% of my income… that turns to like 34%
This doesn’t make any sense. Your rent and income split into intervals of 4 weeks must result in the exact same ratio as your rent and income split into intervals of 1 month (or any other unit of time).
Your rent is still 30% of income, because the percentage is calculated on annual rent and annual income.
The real question is whether you have sufficient cash flow with two checks a month to cover routine monthly expenses. If you do, no problem. You just assign irregular expenses to three check months. For example, a three check month is when you set aside funds for holiday gifts, vacation, property tax on car, clothes. All of those are things you don’t pay every month, so you deposit that 3rd check in savings until you need to pay those bills.
I think you ought to look into YNAB, you “You Need A Budget”! The way their budgeting software works it helps you to budget for the month based on the money you have in your bank account (called the “envelope method” or “zero-based budgeting”). You always need to have confidence in your method, or your budget will never work for you, and currently your uncertainty is making you question things about your budget. You should really check it out!
Break it up however you are paid.
If it’s based on month, do month.
If it’s based of weeks, do weeks.
For two months out of the year you have 3 paychecks, so time to save extra for vacation or major purchase.
You make a budget every month; every month is different (utilities, insurance, gifts, etc.)
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