Budgeting guides

Short, plain-English answers with the math shown.

How to budget with a bi-weekly paycheck

Bi-weekly pay means 26 paychecks a year, not 24. Here is how to find your real monthly income and plan for three-paycheck months.

Fixed vs. variable expenses: what is the difference?

Fixed expenses stay about the same each month. Variable expenses change. Here is how to sort yours and why it helps.

How to turn weekly, yearly and quarterly bills into a monthly number

Use one simple formula for each schedule to convert any bill or income to a monthly amount, with worked examples.

Replacing your budget spreadsheet: what to actually track

You only need a few numbers for a useful budget. Here is what to keep tracking, what to drop, and how to move away from a spreadsheet.

How to see where your money goes each month

Group your spending into categories and work out each one as a share of your income. Here is how, with a simple example.

These guides are general information, not financial advice. The numbers are examples.