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[quote=Anonymous][quote=Anonymous][quote=Anonymous]This used to be us since 2011 and only recently changed this year.

I use YNAB and they have a lot of resources on the topic.  If you're interested I can post.[/quote]

Sure! Op here. We use EveryDollar and have for a decade I think. We haven’t missed a month. I love that I drag and drop our transactions. We have our specific categories for each kid, etc. you can see if there is unallocated money or if my planning is over our income.

It’s working. But I can’t help feeling like we’re always waiting until the 30th (on my last paycheck) to make savings or student loan payoff decision. Or that we can’t plan based on DH’s check until the 6th or so. Today is the 2nd, so yes this is my mindset for the first week of every month. :)

The one change I think about making is theoretically taking the October 8th check and putting it “on November.” And essentially putting all October checks on November. So we start out the month with clarity.

I can’t figure out how I would do this exactly. I’m sure we’d get confused somewhere.[/quote]

19:55 here. What bothers you about not knowing savings or student loan amounts in advance? Logistics or that you're not putting as much as you think you should towards those goals? I do not have student loans but for 529 and when I've had car loans, I track the balances or amortization tables vs. my goals and contribute more or pay off extra when I see the buffer building up.

The unpredictable timing doesn't bother me but requires general discipline of not spending every dollar I have but I'd do that anyway. It's hard to tell if you're bothered because you're not doing something you think you should be doing or you're bothered by a specific outcome. I guess my advice is basically embrace the variability and don't try to fit into a clean monthly box that isn't your reality.[/quote]

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