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[quote=Anonymous]By barely livable, do you mean needs or wants or both? Or only big expenses?

Mine has set dates but ranges $0-$XXXX. Husband is every 2 weeks and different amounts with a minimum that's about half of the maximum. Every 2 weeks means 2 or 3 paychecks per month. Mortgage and a few other things go out of the account that gets his paycheck automatically and I pay the rest out of the account that gets my checks.

I keep a savings account and transfer to it when extra has built up and back into checking when I need it. It's basically like a sinking fund but not tracked granularly, but I know the buffer amount I like it to have. I like to pay bills manually, though.

You can automate it by putting paychecks into savings and setting up automatic transfers to "pay" yourself. Then you'd need some seed money in there to cover multiple low months in a row.

I also just kind of know which months are expensive. One matches to a month I usually make a lot of money and one doesn't, but I don't worry about it because annually we're okay.[/quote]

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