If you are followed along then you know that today is step IV. You need to do step I, step II, and Step III to get the hack and not be overwhelmed. If you are doing those then you have all your bills set up on a calendar around their due dates.
First, take another calendar for a 30 day interval. Then, set your bills to be paid on Fridays only.
If your electric bill is due on a Wednesday, pay it the Friday before. Alternatively, you can pay it the Friday after. Additionally, this should also be set up on a 4 Friday a month rotation. Some bills will be early and some bills will be a little late. But do not pay bills late that would incur late fees like a credit card.
It will take a minute to get this figured out and you have to adjust. But, once you do it for the first 30 days the next 30 becomes easier. And here’s the way this budget set up gets you extra paychecks.
In the year of 2025 there are 4 months where we get a 5th Friday. (January, May, August, October)
If your bills are paid based on 4 Fridays, this 5th Friday is essentially an extra week of pay. You don’t need to assign it for bills.
You can use that money to build a savings, pay off debt, go on a trip, do home renovations. The choices are endless. And the best part is that you don’t have to work any extra hours to get it.
This was how I set up my bills when I was drawing a weekly pay check. It will be uncomfortable at first. You will say things like why am I paying a bill early. That’s your ego talking and it’s been in charge now for a while and what has it got you? Try this and see if it works. If it doesn’t you can always go back to the discomfort you know so well.
I hope you find this resource helpful. Please let me know how it worked for you in the comments. Let me know if it didn’t work for you as well.
In Kindness
PS: Credit to Linna Mitchell who taught this to me many years ago as a young mother. I hope this finds someone else who will benefit from it as I did.
Bri Clark 