Adjusting to new pay schedule.

**mommy4ever** · 03-09-2008, 02:50 PM

As of January, dh has been on a weekly pay schedule. It's hard to get used to. I also changed 2 of my daycare families to weekly as well. My income pays all the household, credit cards, S/L's, our gas and spending, and snowball. Dh income pays the mortgage and the line of credit. And snowball.

I've been scrambling the last couple months, forgetting things making it tight some weeks. And with the mortgage been bi-weekly and insurance monthly it's hard to track.

now, it's taking shape. I printed off a couple months of calendars. As bills come in, I mark the due date. I mark it on the calendar. I also marked the mortgage payment days, it used to be on payday, now payday isn't the way to track..lol. So on all the Saturdays I mark how much should be left in that account every week to cover that weekly share of mortgage and insurance, I transfer the rest out and don't touch. I leave a little extra in that account always, so cover any service charges. ie. mortgage is $575 bi weekly, I budge 600. A little buffer.

I have a $1300 payment coming april 1. I forgot about it. But writing it all out on the calendar if I don't snowball this March it's covered. So we're fine.

It's amazing how it all takes shape if you write it out!

**peanut** · 03-09-2008, 04:24 PM

I agree! Good for you for writing it down. I find now I have all our bill dates written down, I feel a lot more relaxed about money. Which is good and bad. I guess I don't worry so much because I know what comes due when.

jean

**Cricketlegs** · 03-09-2008, 06:00 PM

I 100% agree. I have to have it on paper. I need bills in a file folder. I MUST have a highlighter lol!

I fill out my budget a month in advance. No surprises--my only hang up is one of dhs checks is commision so I just budget the LEAST it will ever be so nothing bad happens.

Writing down and budgeting is the only way to go.

**Telephus44** · 03-09-2008, 08:10 PM

I tell you, the best pay schedule I ever had was monthly. People hated it because they had to wait SO LONG to get their money, but I loved it because you wrote out all your bills and knew exactly what you had leftover.

I does stink going from one pay schedule to another, though. DH and I are both paid every other week - we used to be opposite weeks (so there was a paycheck coming in every week!) and now we're on the same week. The first few weeks were tough.