I was able to create a hybrid budgeting system that worked for me. It wasn't until I became pregnant that I realized I needed to do something to get my financial house in order.Īll of the research and effort I put into budgeting was not done in vain. I actually gave up trying to budget for a year because nothing worked for me. I tried for a year and figured I was lost. In my early days of budgeting I could just not get the hang of it. That extra paycheck is not really additional money … you still have bills to pay, as you will see later.
However, if we are going to get out of debt and stay out of debt, then we have to face the reality that a little bit of extra cash is not a license to just go out and spend. It wasn't easy, but I did it, and so can you.
Today, I am proud to say I have found my way through tough financial times, a mountain of debt, and the challenge of finding a budgeting method that worked for me. Can you relate? That's one of the great things about this community is that we can be honest with one another and share not only our successes, but our struggles, too. Those of you who have been with me on this journey know I have not always made the best decisions. Your extra paycheck does not mean you have no financial obligations for that money
How do you plan for an extra paycheck? Do you plan for the extra pay? It is easy to fall into the trap that because there is an extra paycheck, that means you will have a lot of free money you were not counting on. November 2019 will have five Fridays, which might lead to an extra payday for you.
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