Action Tip: To make doing your visual, calendar budget easier, start with a simple one page view of your entire financial life over a year’s worth of time. See here: Year’s Bill Budget.
This is a simple, low tech way to figure out your recurring bills and see how much “discretionary” money you have left over.
When I did it, I realized I had more money left for things like food, gas, household items, savings and giving than I thought and was blowing it on who knows what.
Grab your old bills, log in to your bill websites and check your bank statements to get the numbers. Keep it going all year and you’ll probably surprise yourself with the numbers. I know I was.