"Extra" Paycheck Month (3 Paychecks - occurs twice a year!):
Income this month (3 paychecks + other): $0.00
Total Monthly Expenses: $0.00
Net Surplus/Deficit for a 3-paycheck month: $0.00
This month, your 'extra' paycheck provides an additional $0.00 towards your surplus!
Tips for Biweekly Budgeting:
Cover Monthly Bills: From each of your first two biweekly paychecks in a month, aim to set aside roughly $0.00 (half of your total monthly expenses) to ensure all monthly bills are covered.
The "Extra" Paycheck: Use the two annual 3-paycheck months strategically. This "extra" paycheck is ideal for:
Boosting your emergency fund.
Making an extra debt payment (e.g., mortgage principal, credit card).
Saving for a large purchase (vacation, down payment).
Investing for long-term goals.
Track Your Spending: Regardless of pay frequency, tracking where your money goes is crucial for sticking to your budget.
Complete Income (Tab 1) and Expenses (Tab 2) to see your budget plan.
Summary & PDF Preview
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Overall Financial Picture:
Selected Pay Frequency: N/A
Total Average Monthly Income: $0.00
Total Monthly Expenses: $0.00
Estimated Net Monthly Surplus/Deficit (Typical Month): $0.00
