Everyone gets paid at different times, my husband is weekly, I am bi-weekly.
We decided to keep our finances separate to keep things less confusing, especially since all our bills are not combined.
I will show you how to budget your bills for a bi-weekly pay schedule.
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It can be challenging to try to figure out to divvy up monthly bills for a bi-weekly check.
The best thing to do with your typical bills such as rent, car payment, utilities, and garbage can be designated to the paycheck the due date is closest to.
Since I make less than my husband does I pay the smaller bills mainly the ones in my name. The image shown from google sheets is my bills, the amounts, and the due dates for each of them. Typically the car payment and the groceries, for the most part, eat one paycheck so the rest get pushed to the other paycheck. My vehicle is an SUV and can take 30 gallons so I budget 40-50 dollars each check to soften the blow, my commute is not very far either, this may vary for everyone.
This is just a basic look into my main bills. Extra spending and other budgets were not added in.
Splitting the grocery bill
For a multitude of reasons, I will get groceries each paycheck, with some of the items being produce there is no possible way to keep those fresh for an entire month unless they were frozen.
Bad habits of Bi-weekly paychecks to avoid
- treating one of the checks as a reward
- not having a regular bill schedule
- saying “I’ll just get it next check” again and again
- not putting money into an emergency fund or savings account
Step one-write all bills and normal expenses for the month
list things like
- car payment
- cable or internet
- gas for cars
- insurance health and car
- grocery expense for the month
- savings deposit
Step two- write paycheck 1 and paycheck 2 then list bills
splitting the larger bills between bills makes it easier than putting a lot of bigger ones on one check and not the other.
- half grocery total
- car insurance
- gas(if you don’t fill your tank)
- health insurance
- half grocery
Step three- devise the plan that works best for you
Everyone’s budget will look a little different, these are just some ideas to help figure out a budget that works.
Usually, I like to use a typical planner to write in the bills that need to be paid on the pay dates. Mine are every other Friday, so in my planner, I would write half of the bills in the Friday slot.
This planner is the exact one I use, it’s filled with plenty of lines under each of the dates to write what you need to. Click the image to check it out on amazon 🙂
Budgeting is one of the most important and most neglected things today. Getting on top of yours does not have to be difficult.
I hope you found this post helpful.
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Have a great week!