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Here’s a snapshot of how this would look in our bi-weekly budget template:Ĭlick here to learn about the best biweekly & semimonthly budgeting spreadsheet available right now! Use code “ ptwlove” at checkout and you’ll get 15% off of your purchase simply because I love you! 🤗 Not enough money to cover the expenses during a particular period? Sorry for the semi-monthly budgeters out there, you always receive a paycheck on the 1st and 15th – so that means no extras 😞. I personally recommend that you budget based on 2 paychecks and then use those “extra” paychecks to beef up your emergency savings, pay down debt or save for large expenses. Then, 2 months out of the year you receive a “ bonus 3rd paycheck”. Many of you may normally receive 2 bi-weekly paychecks per month. Plan your bi-weekly budget out per paycheck. The fear of being broke again keeps us motivated to spend intentionally but we definitely have loosened the reins a little bit. If your expenses are less than your income, congrats! You can still follow the steps above if you want to increase the amount of money you’ll be able to direct towards the things that matter to you.Įven after becoming debt-free, we still look for ways to save or cut costs.

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All savings contributions (sinking funds, after-tax retirement contributions, emergency funds, etc)Ī post shared by DJ & Dannie – Debt Free on at 4:55am PDT.

Any variable expenses (general spending).

Total income ( after-tax and paycheck deductions).

Here are the items you’ll need to list before you create your bi-weekly budget: By writing down your entire month of income and expenses first, you’ll be able to make a plan for each pay period without wasting time trying to figure out your complete financial picture later on in the process. You may be thinking that I’ve already ignored your pay frequency, but I haven’t. Keep in mind that everyone’s financial situation is different and this is just one example. Let’s get started, shall we? Throughout this post, we will be following Betty and Joe. Don’t worry though, with a little planning and organization you can become a semi-monthly and bi-weekly budget rockstar in no time! Bi-weekly pay and semi-monthly pay comes with some additional budgeting challenges that monthly budgeters don’t have to think about.

There isn’t one budgeting style that works for everyone. Guess what? I want to help you budget effectively based on how you get paid and not the masses. If you receive a bi-weekly or semi-monthly paycheck, you may have noticed that most budgeting advice and tools focus only on those who budget monthly.