These savings will help you stop living from paycheck to paycheck. Keep in mind that after you pay all your bills, you should also be setting aside money each month into savings. Call and ask to get your monthly due date changed. Check with your utility company to see if a monthly budget option is available to you.Īnd if your bills are due at all different times of the month? Most companies are willing to work with you to change the due date, especially if you are setting up a direct debit. This way, you would pay more in lower usage months, and less in higher usage months, but the overall amount you would pay would remain constant and predictable. Be sure to allow for fluctuations in these bills if you choose to set up a direct debit. Many utility companies will offer the option of paying a fixed, monthly amount, based on your anticipated annual usage. However, it may be a bit more complicated with bills that aren't a set amount, such as utility bills. When a purchase or expense comes up that isn’t accounted for in the budget, the money needs to come from somewhere else in the budget (or we can decide against the purchase). If you have other bills automatically deducted from your checking account, such as your mortgage payment, you can also set this to come out the day after you get paid. Accounting for going over-budget is easy with YNAB At any point in the month, we can easily see how much money we have remaining in each category. ![]() If you are paid on the first of every month, you can set up your cell phone or cable bill to come out at the beginning of the month.
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