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Home > Category: Budget By Paycheck
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Viewing the 'Budget By Paycheck' Category
July 11th, 2023 at 04:34 pm
![](data:image/png;base64,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)
begin - beginning checking account balance
pr - my net payroll check
SB - my contribution towards our joint living expenses
sf - automatic sinking funds transfers scheduled for 7/11/23
cash - cash for the next 2 weeks
Citi MC - the balance this time includes a tank of gas and some eating out
CarMax - a payment towards my car loan. The new balance is $21,008.23
house DP - a contribution towards my house down payment. The new balance is $2,002.92.
end - ending checking account balance
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Budget By Paycheck
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June 25th, 2023 at 04:52 pm
![](data:image/png;base64,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)
begin - beginning checking account balance
pr - my net payroll check
SB - my contribution towards our joint living expenses
cash - cash for the next 2 weeks
sf - automatic transfers to sinking funds scheduled for 6/27/23
Citi MC - this payment includes my Verizon bill, my Netflix bill, my Sirius XM bill, a co-pay for prescription refills at $58.32, a donation of $55.84 (details below), and $12.58 for a fast food lunch out.
CarMax - my car payment. the new balance is $21,221.94
house DP - a contribution to my house down payment fund. the new balance is $1,696.05
life ins - my monthly life insurance premium.
water club - my tab for the water club at work
end - ending checking account balance. I have $750 set aside for dental expenses which are estimated to be approximately 1k.
Donation - I have a niece who is really in to cat rescue. This niece is my ex-husband's sister's daughter. Currently, she and her long-term boyfriend are saving up to move (the house they rent is being sold) and she is having trouble affording cat supplies. She has a wish list on Amazon; I bought her some cat food.
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Budget By Paycheck
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June 10th, 2023 at 04:18 pm
![](https://www.savingadvice.com/blogs/cp/uploads/1686413987.png)
Begin - beginning checking account balance ($0.27 interest paid on 5/31/23)
pr - net payroll check
SB - my contribution towards our joint living expenses
cash - cash for the next 2 weeks
sf - automatic sinking funds transfers scheduled for 6/13/23
Citi MC - the balance this time includes a $250 payment to the endodontist and $52.88 for gas (I had Gilligan with me and wanted to pay at the pump)
CarMax - a payment towards my car loan. The new balance is $21,434.24.
House DP - a contribution to my house down payment fund. The new balance is $1,537.31.
end - my ending checking account balance. And that is it, my paycheck is spent.
I have $650 saved for my dental expenses, and have already paid $250. I need approximately another $350. When I went to the endodontist, he discovered that I had a fistula. He did the root canal and treated the fistula. I have to wait 5 weeks then go back so he can check if the fistula has healed before he is done with me. Maybe the costs will rise because I will have another office visit. They didn't say and I didn't ask, but it won't surprise me.
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Budget By Paycheck
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3 Comments »
May 26th, 2023 at 11:59 pm
![](https://www.savingadvice.com/blogs/cp/uploads/1685145565.png)
begin - beginning checking account balance
pr - my net payroll check
SB - my contribution to our joint living expenses
cash - cash until next payday
SF - automatic transfers to sinking funds scheduled for 5/30/23
Citi MC - the balance this time covered 3 bills: Verizon, Netflix, and Sirius XM.
CarMax - a payment towards my car loan. I thought it would be fun to add another dollar every time, so that's what I did. The new balance is $21,645.14.
house DP - a contribution to my house down payment fund. The new balance is $1,398.71.
life ins - monthly life insurance premium
water club - my tab for the water club at work
end - ending checking account balance. I now have $550 set aside for my pending dental bills.
And that is it, today's paycheck is spent.
Posted in
Budget By Paycheck
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0 Comments »
May 12th, 2023 at 09:58 pm
![](https://www.savingadvice.com/blogs/cp/uploads/1684451242.png)
begin - my beginning checking account balance
pr - my net payroll check
SB - my contribution towards our joint living expenses
cash - cash for gas, personal, and misc
sf - automatic transfers to sinking funds scheduled for 5/16/23
Citi MC - the balance this time included $52.68 for gas, $33.33 for Papa Murphy's, and $27.54 for groceries at Safeway. We house sat last week, plus Birth Mom was here for a visit. We spent more than usual for groceries and take out.
WF Visa - the balance included $51.35 for Gilligan's flea meds and $8.45 for a set of 4 drinking glasses at Wal-Mart.
CarMax - my car payment. The new balance is $21,854.65.
house DP - contribution to my house down payment fund. The new balance is $1,332.53.
Broad - the last $50 owed, expected next Friday 5/19/23
end - my ending checking account balance.
I realized that I have longer to save for my crown than I had thought at first. It will take 2 appointments to complete the crown, then they will bill my insurance, then finally after the insurance pays they will bill me. I will use my Citi MC to pay the dentist then have at least 1 paycheck, possibly 2, before the statement due date. I have not even had the first appointment yet. $200 is enough to set aside from today's paycheck.
And that's it, today's paycheck has been spent.
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April 29th, 2023 at 02:52 pm
![](https://www.savingadvice.com/blogs/cp/uploads/1682780268.png)
begin - beginning checking account balance
pr - my net payroll check
SB - my contribution towards our joint living expenses
cash - My budgeted amount is $260, but I only needed $220. I forgot to adjust before I made my House DP transfer, so I ended up with an extra $40 in checking. I just left it there, because I will have a big expense to pay beginning with the next paycheck. More on that below.
sf - automatic sinking funds transfer which will happen on 5/2/23.
Citi MC - the balance on my Citi MC. It included $149.35 for a meal out, and $16.91 for Sirius XM. The meal out was dinner and drinks for 3. I have a couple of girlfriends from work, we all now work in different departments in different buildings. We meet up every month or two at a particular restaurant. We take turns paying, and it was my turn. The restaurant has gotten a bit pricey, as you can see. The Sirius XM is a new expense. When I bought the Tucson, 3 months were included free. Then I received an email offering me an additional 3 months for $2. I accepted that. And I have found that I really enjoy it. My promotional subscription ended on 4/14/23, I downgraded the membership from premium to music only and kept it.
CarMax - I rounded the half-payment up to $250 as that is the amount I was saving towards my next car out of each paycheck before purchasing the Tucson. The new balance is $22,062.52. Edited to Add: On 5/5/23, while clearing my checking account transactions, I noticed that this payment had not hit my bank account. I logged on to CarMax, and there is no record of this payment. So annoying! I scheduled it again for today, and of course there is now more interest due. I just hate debt. The new balance is higher than it should be, at $22,086.68.
house DP - the amount I had available to contribute. The new balance in the fund is $1,161.51.
Broad - a loan repayment. The loan balance is down to $50 now.
life ins - my monthly life insurance premium.
end - the ending balance in my checking account.
So I went to the dentist on Monday for my bi-annual cleaning and it was time for x-rays. Bad news, I need a crown. My share of cost for that is $610, plus I will owe something for Monday. I will pay the dentist with my Citi MC, and then will have 2 paychecks to get the balance paid in full. Of course, this will impact my savings efforts which is frustrating, but it is what it is.
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April 17th, 2023 at 02:39 am
![](https://www.savingadvice.com/blogs/cp/uploads/1681699269.png)
begin - beginning checking account balance
pr - net payroll check
SB - my contribution towards our joint living expenses
cash - cash for expenses over the next 2 weeks
sf - automatic sinking funds transfers
roth - contribution to my Roth IRA
Citi MC - my Verizon cell phone bill and monthly Netflix subscription
CarMax - my latest attack on my car loan. The new balance is $22,270.24
house DP - a tiny contribution towards my house down payment fund
Broad - a loan repayment; $200 still to go
end - ending checking account balance
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March 31st, 2023 at 01:36 am
Hello Everyone. 😀
![](https://www.savingadvice.com/blogs/cp/uploads/1680226855.png)
Begin - beginning checking account balance
pr - my net payroll check. This being the 3rd paycheck of the month, it is a bit larger than usual. There are no deductions for medical on 3rd paychecks. A bit of extra money is, of course, always welcome.
SB - my contribution towards our joint household expenses.
cash - cash for gas, personal, and misc for the next 2 weeks. I still had $140 in my wallet, so only needed an additional $120. I have been teleworking so frequently that I just haven't been spending as much gas money. Plus, I used my credit card once for gas for the sake of convenience. I had Gilligan with me and wanted to just pay at the pump.
sf - automatic transfers to my sinking funds. These will occur this coming Tuesday.
roth - a Roth IRA contribution
Citi MC - the balance on my Citi MC. This includes a tank of gas ($56.64), credits used to solve puzzles on Conceptis.com ($12), and a quick lunch at Jack in the Box ($13.59). Can we just pause for a moment to say that fast food prices are getting quite high? I ordered a chicken sandwich, a medium lemonade, and a small plain hamburger for Gilligan. $13.59! I did not use cash because they were only accepting cards at the time.
WF Visa - hygiene products SB picked up for me at the grocery store.
life ins - monthly life insurance premium
CarMax - I was able to send $637 to my car loan! This amount includes an additional $405.99 towards principal. The new balance is $22,759.03.
house DP - a tiny contribution to my house down payment fund
Broad - a loan to a friend. This woman and I call each other "Broad". She was having a bit of a financial crisis, asked me for a loan, and I chose to lend it to her. I do feel confident she will repay me.
end - ending checking account balance.
And that is it; no more transactions until next payday.
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March 20th, 2023 at 12:51 am
![](https://www.savingadvice.com/blogs/cp/uploads/1679273491.png)
Begin - beginning checking account balance
pr - net payroll check
SB - my contribution towards our joint living expenses
cash - cash for the next 2 weeks
sf - automatic sinking funds transfers
roth - contribution to my Roth IRA
Citi MC - payment for my Verizon bill ($50.38), Netflix ($15.49), prescription co-pays ($57.76), less redeemed cash rewards ($27.32)
CarMax - payment towards my car loan. This payment includes an additional $195.99. The new balance is $23,351.69.
house dp - A tiny contribution to my house down payment fund
Water Club - At work, we have a Water Club to pay for bottled water. It was time to pay.
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March 4th, 2023 at 03:12 pm
![](https://www.savingadvice.com/blogs/cp/uploads/1677942780.png)
begin - checking account previous ending balance ($1,500) plus interest ($0.38)
pr - net payroll check
SB - my contribution towards joint household expenses
cash - coming in low again, mainly due to gas savings from teleworking
sf - automatic sinking funds deposits
house DP - a tiny house down payment fund contribution
roth - Roth IRA contribution @10% of gross income
Citi MC - the balance on my Citi MC. This amount includes a pen for Gilligan ($300.25), a collar and leash for Gilligan ($27.68), pizza ($40.00), and an Amazon order for toiletries ($41.85).
WF Visa - some items SB picked up for me
HBO Max - subscription fee for March
obedience - I found a local dog trainer with 30 years of experience. She is currently offering only private lessons at $65 per pop. I am setting aside enough for 3 lessons and I think that will be enough. We had a lesson scheduled for last Sunday, but the weather had other plans. Hopefully by next weekend we will be able to start.
CarMax - and that left $420 to throw at my car loan. I need to pay at least half of a payment ($231.01), so this amount represents an extra $188.99. It is progress, just not as much as I would like. The new balance is $23,733.63.
end - checking account buffer of 1k which just sits there
And if anyone is interested in trying Budgeting-By-Paycheck for themselves, I found this free printable template online: 16 Free Budget Printables to Save More Money - The Krazy Coupon Lady You have to scroll a little bit to get to the Budget By Paycheck template.
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February 19th, 2023 at 07:03 pm
![](https://www.savingadvice.com/blogs/cp/uploads/1676833474.png)
begin - my beginning checking account balance.
pr - my net payroll check.
fed refund - my federal income tax refund.
Mom - reimbursement for Netflix. It's been several years since she paid me anything for Netflix, and I really don't mind if she never pays a cent. She mailed me this check, so I deposited it.
SB - we agreed to increase the amount from $250 to $300. SB buys our groceries, buys our propane, pays the electric bill, pays the garbage bill, and pays for Starlink internet. This $300 is my contribution towards those costs.
cash - this is my cash allowance for gas, misc, and spending money. My budget for this is $260, but I had cash left from last time so reduced my withdrawal to $180.
SF - the automatic transfer to my sinking funds.
Gilligan SF - an initial deposit to save ahead for Gilligan's expenses.
house DP - a tiny deposit to my house down payment fund.
Roth - a contribution to my Roth IRA.
Citi MC - the balance on my Citi MC. It included Gilligan's adoption fee ($120), a visit to PetCo ($175.29), a bath for him in one of those dog wash vending machines ($10.00), dinner for two at The Olive Garden ($59.70), and then my Verizon and Netflix bills.
HBO Max - this is a new subscription so I can watch "The Last of Us". We have Amazon Prime which SB pays for, and this add-on automatically bills his card. I will reimburse him for this monthly.
life ins - my life insurance premium.
CarMax - the amount of money I had left to throw at my car loan. This payment brought the balance down to $24,107.86.
ending balance - I am holding on to an additional $500 as I am still shopping for a dog pen and obedience classes.
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February 4th, 2023 at 06:23 pm
Here is yesterday's paycheck and budget:
![](https://www.savingadvice.com/blogs/cp/uploads/1675537302.png)
With yesterday's payment, my car loan is down to $24,739.24. Still such a huge number, but moving in the right direction.
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October 23rd, 2022 at 06:25 pm
Maybe a year or so ago, I stumbled across a You Tuber named The Budget Mom. She has a website and sells some products and recently wrote a book. She promotes a budgeting method called Budget By Paycheck. I started using it and find it simple yet effective. It is just a zero based budget for every paycheck.
Here is my planned budget for my paycheck this coming Friday:
10/28/2022 |
1,000.00 |
begin |
|
1,595.30 |
pr |
|
1,055.74 |
from sf |
|
(250.00) |
SB |
|
(300.00) |
sf |
|
(260.00) |
cash |
|
(244.24) |
Roth |
|
(28.50) |
life ins |
|
(77.53) |
WF Visa |
|
(1,215.77) |
Citi MC |
|
(275.00) |
CarMax |
|
1,000.00 |
end |
I am just using Excel. I had been throwing the odd dollars and cents leftover into a sinking fund called "House Down Payment". As you know, both of my kids have purchased homes in southern Illinois. I don't have a definite time line, but there is no question in my mind that my fondest wish is to be where they are. However, the new recipient of every spare cent I have will now be my car loan.
Edit: A few words about the line items in my budget ~
begin - I keep a 1k buffer in checking, just in case I need some quick access.
pr - My net payroll check. My share of my health insurance premium and a 5% contribution to my 457 plan are already taken out.
from sf - Transfers in from my sinking funds to cover expenditures.
SB - I give SB $250 every payday. He buys all of our groceries, buys gasoline for the generator, and pays our electric bill. And Starlink internet. Seeing this in writing, perhaps he and I need to discuss if this amount is sufficient.
sf - Automatic transfers to sinking funds, which happen a few days after payday.
cash - This is spending money, gas money, and misc things from the drug store (hair products, vitamins). I don't always make it without putting a tank of gas or other item on the Citi MC.
Roth - I contribute 10% of my gross to my Roth IRA.
life ins - Automatic deduction for my term life insurance premium.
WF Visa - I don't use this card, but SB has a second card in his wallet. He uses it on occasion when I ask him to pick something up for me, or if he has run errands for me and I wish to buy him some gas. It's just a convenient way for me to pay without us trading money.
Citi MC - This is the payment I will be making on payday. Unfortunately, it is not the entire amount currently owed. However, I have not yet been billed for these charges so I have some time yet to pay without owing interest. I try to pay my balance to $0 every payday, whether it is due or not. My phone bill, Netflix, and now Discovery Plus all are on autopay to this card.
CarMax - A car payment; the first of many.
end - The 1k buffer for next time.
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