Cover timing
Match each bill to the paycheck that arrives before its due date.
One paycheck at a time
Give each paycheck a job
Set aside what must be paid, what reduces debt and what protects the next month. See the flexible amount without connecting an account.
Place the amounts
Private allocation
Paycheck
Flexible amount—
Use the same currency for every amount. Add irregular bills before treating the remainder as spendable.
Keep a buffer
Leave room for irregular essentials before assigning flexible spending.
Check again
Update the plan when take-home pay or a required payment changes.