Payday Plan guides https://paydayplan.app/blog/ Practical how-tos for running a household’s money. en-us Plan the month by paycheck, not by calendar https://paydayplan.app/blog/plan-by-paycheck-not-by-calendar/ https://paydayplan.app/blog/plan-by-paycheck-not-by-calendar/ Sun, 01 Nov 2026 12:00:00 GMT Paychecks Your bills run on the calendar but your money arrives on paydays. Line them up by paycheck and the tight weeks stop being a surprise. The extra paychecks: what to do with a three-paycheck month https://paydayplan.app/blog/the-extra-paychecks/ https://paydayplan.app/blog/the-extra-paychecks/ Sun, 01 Nov 2026 12:00:00 GMT Paychecks Paid every other week? Twice a year, a month brings a third paycheck. Here's how to spot those months now and give that money a job. Forward the bill, skip the typing: emailed bills, set up properly https://paydayplan.app/blog/forward-your-bills/ https://paydayplan.app/blog/forward-your-bills/ Sat, 31 Oct 2026 12:00:00 GMT Bills Most bills already arrive by email. Forward them to bills@paydayplan.app, or set a filter once, and this month's amounts wait for a yes. What "free to spend" should actually mean https://paydayplan.app/blog/what-free-to-spend-should-mean/ https://paydayplan.app/blog/what-free-to-spend-should-mean/ Wed, 28 Oct 2026 12:00:00 GMT Paychecks Your balance isn't your spending money. Here's how to work out the number that is, paycheck by paycheck, and what to do when it comes out small. The 20-minute month-end recap (and the three questions it answers) https://paydayplan.app/blog/the-month-end-recap/ https://paydayplan.app/blog/the-month-end-recap/ Sun, 25 Oct 2026 12:00:00 GMT Getting started A month is only useful if you learn something from it. A short, repeatable review that turns last month's surprises into next month's plan. Set up your whole household budget in ten minutes, by typing https://paydayplan.app/blog/set-up-your-household-budget-by-typing/ https://paydayplan.app/blog/set-up-your-household-budget-by-typing/ Fri, 23 Oct 2026 12:00:00 GMT Getting started Most budgets die during setup, somewhere around the fortieth form field. Here's how to get a working household plan down in plain sentences instead. The freed-payment rule: what to do the month a debt is paid off https://paydayplan.app/blog/the-freed-payment-rule/ https://paydayplan.app/blog/the-freed-payment-rule/ Sun, 18 Oct 2026 12:00:00 GMT Debt When a loan ends, its payment doesn't vanish. It turns into spending unless you decide otherwise. Here's how to decide, and why the timing matters. One plan, two people: who ticks what, and how not to fight about it https://paydayplan.app/blog/one-plan-two-people/ https://paydayplan.app/blog/one-plan-two-people/ Tue, 13 Oct 2026 12:00:00 GMT Two of you Most money arguments between couples are about not knowing, not about money. A practical setup for sharing one household plan without stepping on each other. Your emergency fund target: 3 months of what, exactly? https://paydayplan.app/blog/emergency-fund-three-months-of-what/ https://paydayplan.app/blog/emergency-fund-three-months-of-what/ Thu, 08 Oct 2026 12:00:00 GMT Saving Three to six months is the usual answer, but months of what? Income, your plan and essentials give very different targets. Why you should never prepay a 0% plan, and what to do instead https://paydayplan.app/blog/never-prepay-a-zero-percent-plan/ https://paydayplan.app/blog/never-prepay-a-zero-percent-plan/ Sat, 03 Oct 2026 12:00:00 GMT Debt Paying off interest-free money early feels responsible but buys nothing. Where the extra should go instead, and the one kind of 0% deal that needs care. Estimates to actuals: make your plan honest in three months https://paydayplan.app/blog/estimates-to-actuals/ https://paydayplan.app/blog/estimates-to-actuals/ Mon, 28 Sep 2026 12:00:00 GMT Bills Every new budget is built on guesses. Here's a simple routine for replacing them with real numbers, so the plan stops being quietly optimistic. Avalanche, snowball, or cascade? Ordering debts when one ends https://paydayplan.app/blog/avalanche-snowball-or-cascade/ https://paydayplan.app/blog/avalanche-snowball-or-cascade/ Wed, 23 Sep 2026 12:00:00 GMT Debt People argue about which debt to pay first. The bigger win is what happens to each payment when a debt ends. Worked numbers for all three ideas. Sinking funds for real life: tuition, trips and car registration https://paydayplan.app/blog/sinking-funds-for-real-life/ https://paydayplan.app/blog/sinking-funds-for-real-life/ Fri, 18 Sep 2026 12:00:00 GMT Saving The bills that wreck a budget are the ones that don't come monthly. How to save for them a little at a time, with the arithmetic worked out. A 15-minute subscription audit https://paydayplan.app/blog/fifteen-minute-subscription-audit/ https://paydayplan.app/blog/fifteen-minute-subscription-audit/ Sun, 13 Sep 2026 12:00:00 GMT Bills Small monthly charges are easy to ignore and expensive to keep. A three-step, fifteen-minute routine to find them, price them by the year, and decide. Promo APR cliffs: how not to get surprised when 0% ends https://paydayplan.app/blog/promo-apr-cliffs/ https://paydayplan.app/blog/promo-apr-cliffs/ Tue, 08 Sep 2026 12:00:00 GMT Debt A 0% balance transfer is a deadline, not a discount. How to work out the payment that clears it in time, and when to start worrying.