Easy budgeting plan for Bi-weekly pay

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.

Photo by rawpixel.com from Pexels


Regular bills

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.

Photo by rawpixel.com from Pexels

 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
  • rent
  • electric
  • trash
  • cable or internet
  • gas for cars
  • insurance health and car
  • phone
  • 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.

paycheck one

  • half grocery total
  • rent
  • phone
  • trash
  • savings
  • car insurance
  • gas(if you don’t fill your tank)

paycheck two

  • health insurance
  • savings
  • half grocery
  • electric
  • gas
  • cable/internet

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!






Hi there! I'm Cassie, a mom to three wonderful children. I blog and potty train by day, and work third shift full time by night. I help moms like you by finding ways to save money and keep life organized.


  1. Rachel says:

    I get paid bi-weekly and so does my husband unless he had some overtime. I love how you wrote habits to avoid. That’s important. You separate what to pay with each check. That is a helpful breakdown. Rachel from Explore Kid Talk

    1. Cassie says:

      i think the biggest struggle is remembering the things to avoid and falling into the treat my self trap!
      Cassie recently posted…Easy budgeting plan for Bi-weekly payMy Profile

  2. Angie E. says:

    Great article. I need to be better at budgeting. Especially putting money into that emergency fund!

    1. Cassie says:

      thanks! yeah, we need to start one as well. its been a major struggle to be out of the red even. It’s a learning experience though
      Cassie recently posted…Easy budgeting plan for Bi-weekly payMy Profile

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