A monthly budget tells you what you have over a month. It never warns you that a bill lands on the 14th and your paycheck does not arrive until the 15th. Put in your paychecks and your bill due dates, and this maps your balance day by day, flags the days you would run short, and hands you the fix.
What is in your checking account right now.
Add each source of income. Irregular? Use your next expected date and a conservative amount.
Add each bill with the date it is due. We flag the ones you can usually lower.
Running balance after each paycheck and bill. Red rows are days you dip below your cushion.
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