January 2020 Paycheck Budget Overview

Today, I am bringing you with me on my budgeting journey. We will be going over the paycheck that I received on January 1, 2020. I am a paycheck budgeter, which means I create a paycheck every time I get paid.
Before, I got paid on the 5th and the 20th, but now that I am self-employed full-time, I get a paycheck once a month, on the first day of every month.
In this video, I walk you through every step of my budget and give you the details into what it looks like to use a successful realistic budget is someone's every-day life.
I have been sharing my real budget for over a year on Instagram, but only recently started sharing my budget on KZbin. By sharing my actual budget, I hope to show you the process and steps behind paycheck budgeting. I also hope it helps you understand the psychological decisions behind money management.
➡️SHIP TO YOUR DOOR CASH ENVELOPES: bit.ly/2ubNVjY
➡️SAVINGS VISUAL CHARTS: debtfreecharts.com
➡️SAVINGS CHALLENGES IN 2020 COURSE: bit.ly/2MUInRw
➡️$5 SAVINGS JAR: amzn.to/300IPTP
➡️TELLER SLIP STICKY NOTES: bit.ly/2PrixGF
➡️$5 SAVINGS CHALLENGE TRACKER: bit.ly/36zwSHb
➡️MY FILOFAX WALLET (AFFILIATE LINK): bit.ly/360Aq3Y
➡️HOW TO USE A BUDGET CALENDAR: bit.ly/2Is16S9
➡️SINKING FUND SAVINGS ENVELOPES: bit.ly/2MgLl1z
➡️HOW TO USE SINKING FUNDS: bit.ly/36GP8xV
ABOUT ME
I'm the blogger behind www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
YOU CAN FIND ME AT:
📝 BLOG: www.thebudgetmom.com
📘 FACEBOOK: / thebudgetmom
📸 INSTAGRAM: / thebudgetmom
📌 PINTEREST: / thebudgetmom
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➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMKZbin bit.ly/2CR7U9n

[@vivianharris9471]

Each week I get $5 cash back in my grocery shopping and put it in a jar. I do not track until I pull it out because I don’t want to know that money is sitting there. At the end of the year I have a good amount towards my Christmas fund.

[@tashaquiroz9806]

Love the bloopers and the fact that you can laugh at your mistakes. This is my first month using your method. I am excited and nervous at the same time! Thank you for all you do you bring budgeting into my life!

[@deana6633]

Tasha Quiroz remember that it can take 3 to 4 months to get your budget tweaked.

[@tashaquiroz9806]

@@deana6633 I plan on trying as hard as I can to give this as much time as necessary for it to become a habit!!! I need this change to happen!!!

[@successmywaycoaching]

I joined your savings challenge and now I have discovered your YT channel. I just want to say I am loving it! To get budget and savings ideas from a mom like me is priceless. I have been following plans by men and it just hasn’t worked out but listening to what you do as a mom is refreshing. Thanks! I can’t wait to continue on this financial journey

[@elassigirl]

I honestly don’t know how anyone could be this organized lol.

[@jackiebaucom9513]

Sarah EL-Assi right the struggle

[@deedeesaidso5910]

if only i could be half as organized lol

[@tashaquiroz9806]

Years of practice!!

[@arthrodea]

I agree... its very cute and colorful and organized....but the amount of time it must take to write and color and keep track of all the crazy challenges feels exhausting. I can hardly do a basic excel sheet bugdet and input throughout the month.

[@sarahdebardeleben1536]

You can just make these trackers in an Excel book and do away with the paper but the paper does keep it more tangible and in the front of your mind. It's easy to get behind with Excel sheets.

[@damattice23]

Thank you so much for making saving fun, colorful, creative, and girly. I have your workbook, doing the monthly challenges, and am back on track. Will be out of debt by June at the latest. Then working on a full emergency savings and sinking funds. You are the best! Thanks also for the acknowledgment of debtfreecharts, I’ve been wanting those.

[@normareyz9600]

Starting out the cash envelope system and your channel is the first that I’ve seen that goes into great detail ! Thank you! I’m subscribing ! Looking forward to more of your videos

[@Statuzgirl]

I love it. The bloopers at the end was so funny. Your videos are so helpful

[@LifeBetweenTheDash]

That was good. I've never managed to get through a video of the full budget overview but the change made to the BBP form just made much more sense to me now. Thx to TBM.

[@Birdmom1823]

❤️ love your videos so much they are very therapeutic to me and make me happy thank you for being you 😊 ❤️

[@lanymunoz8980]

Love all your videos! I've learned a lot. ❤

[@lauracovarrubias1121]

the best video that explains everything...thank you

[@shonshouse]

New year, new budget! 🥳❤️🥳

[@user-dv8bs7tb5c]

I got busy and stopped watching alot of youtube...thia is my first time checking in on you since near whwn you were foing to release your budget planner. Ita so amazing. I usually do a ha written budget in a nice lined book but thai ia worth paying for 100% I love e the brand ypure building this has seriously all been executed so well. Great job!

[@alexandragulas6834]

I definitely suggest consistently rolling over your kitty envelope every month. Me and my mom use your cash envelope system, and, since I'm a minor, my mom had the pet fund for my cat. My cat got sick and had multiple problems that needed to be dealt with. We went to the vet and ended up dropping $180 on treatment, and my mom had only been saving for a few months $20 each month. We only had $60 in our pet fund at the time, and we ended up using most of our grocery money on her because we weren't prepared. That took a huge hit on us, so if you want to be safe I would suggest rolling it over.

[@sarahal-jutaili1549]

I love u Miko! Life changing ❤😊

[@cynthiawomack4055]

I’m excited about the instapot challenge. Just got one for Christmas!

[@thereaderbug398]

I love your tattoo on your left bicep! That artwork is so pretty to me.

[@michellehoang576]

I like the idea of the $5 daily challenge and that was part of my financial vision for 2020. But I am glad I had watches this video. Now I am motivated to start this challenge.

[@kivlogs7812]

I’ve been watching you since last year and have been wanting to start your method, but I’m waiting to get a steady income before I do. So, hopefully soon I’ll be able to start and get rid of debt so that I can save!!!

[@ItzJessicababy]

The peach emoji SENT ME

[@meltir183]

Your 2020 year challenge is awesome. I'm excited to see how much I save.

[@virginiavance3699]

I love to watch this.

[@dawnkulan4514]

I’m soooo excited about the instant pot challenge!! I’ve been checking all your social media for any info. I just got an instant pot for Christmas and haven’t even opened the box! But I’m super excited to use it and do your challenge 😀

[@pollydolly9723]

Dawn Kulan same!

[@dawnkulan4514]

Polly Dolly has anyone seen a post about it? I’m trying get my meals planned for the week

[@mr.dividendz7756]

This is a very cool kit.

[@cynthianeria8557]

When you go over your grocery list on Sunday to prepare for the insta pot challenge , can you maybe post that video so we can get prepared with you? Just an idea! Think we’re all excited for the challenge. ☺️

[@debtfreecharts]

❤️❤️❤️ - Come get you free debt payoff trackers friends!

[@diamondjanedoe4317]

I love your trackers. Thank you!

[@thevictoriagoogin]

Love live love your trackers!!!!!

[@cutelittlecupcakesmom]

I just got mine :)

[@drobinson2694]

Heidi Nash - Debt Free Charts thank you...I did a few of Baby Step 1&2

[@kristivella7969]

I found your channel by fluke. I am a single mother with one child still at home. I have a wonderful job, but I am living pay check to pay check (and I find there times when I just don't have anything). I am finding your methods very helpful and once I figure out exactly how to get started. Thank you for sharing your journey with all of us.

[@bridges1953]

I came across this video the other day, I felt like you help me a lot. I posted your video on my website to help other with 2020 money challenge.

[@bridges1953]

Thank you

[@brianajohnson8172]

“Sausage! Yum!” Loved that😂😂😂😂

[@robynkahle7240]

I bought a little safe from Amazon to keep my cash envelopes in, it makes me feel better.

[@maggiem1404]

Robyn Kahle can you link the one you got? I’m considering getting one as well.

[@JustFrugalMe]

Thanks for sharing this information with your community! Since budgeting allows you to create a spending plan for your money, it ensures that you will always have enough money for the things you need and the things that are important to you.

[@thereaderbug398]

I was totally about to get the cash sticky notes because they're so convenient but the shipping was going to cost the same amount as the actual notes so I had to pass. I have been handing them my note on the back of old grocery lists or whatever scraps of paper I have and then toss. They are *very* cute though!

[@meganberry2351]

Hahaha sausage yum! Cracked me up!

[@cynthiaolszewski2324]

Megan Berry just watched that part and bursted out laughing 😂

[@dianabusby420]

For your kitty’s litter box, I highly recommend pelletized pine horse bedding from Tractor Supply or a feed store. It’s much cheaper than regular kitty litter. Also the Tidy Cat Breeze litter box system. There’s an excellent video on KZbin about using this system. You can find it by searching pelletized litter box or Tidy Cat Breeze. I’m not sponsored by either brand, just after taking in a stray who produced 6 kittens, I was desperate for a litter solution. The pine smells great, too.

[@ashleyyslc7964]

Team #thebudgetmom Loving all of your videos!

[@Gingerknitter]

I don't know if you have considered this, but just a bit of advice from someone who has been in veterinary field for way too long. If pet insurance is not a good fit for you, because some people can't justify the monthly bill, I would recommend an emergency fund for Kitty. Pet emergency funds are a great idea in general, but especially for kitties because they tend to be incredibly stoic until they are extremely sick and at that point it's quite an investment to diagnose and treat. I'm talking blood work, x-rays, ultrasounds, you name it. So that money left over each month would be really advantageous for future care especially since most vets require payment up front, don't have payment plans, and the closest thing they do take to a payment plan is Care Credit (which is a credit card for interest free repayment periods). Just my two cents because I've seen too many sick furbabies leave because owners couldn't pay and vets have to keep their businesses afloat.

[@maggiem1404]

Gingerknitter how much would you recommend having saved up on average? I save for my cat’s monthly expenses but I never thought about an emergency fund for him.

[@Gingerknitter]

@@maggiem1404 I'm not an expert at all so I'll try to answer this the best I can. I think this number is very personal. To put it bluntly, there are people who would drop 15K on their animal to save it and others may not be able to do more than 2K or less because that's all they can afford or because "it's just an animal." If you've got money rolling over and can afford it, saving the leftovers can put you miles ahead in case of an emergency. Speaking for the prices in my area, which may be different for yours, annual wellness can be around $100-200, an average emergency for many general practices can cost $1000+ per day, an emergency clinic after hours can be 2-3K+, and specialists can be minimum $500 and up. For me, I have Care Credit as a back up in case I need it, but if I had an emergency fund I personally would have 5K (I have one cat, two dogs, and a snake). The hard thing too is that many general practitioners are no longer the jack of all trades and many refer out to specialists if the problem is not readily obvious or treatable. I have found over 15 years that more and more referrals are being made for internal medicine, cardiology, and surgery. So that's hard on clients since you have to pay upfront for everything with pets.

[@maggiem1404]

Gingerknitter Thank you! It’s crazy that it’s so expensive but I’ll try to budget 1K first and work my way up to 5K

[@hananekachman4464]

Wondering if you can help me with a question: how much ahead do you recommend to write your monthly budget? I know that you post your monthly planning videos the beginning of each month but do you do it weeks ahead? Just curious

[@anwlaw]

Not sure I can do all the savings you have. To me I’d be saving everything. How do you make your envelopes?

[@MMyers-mh4jq]

How cool noticed you had euro!!!

[@jackiebaucom9513]

Natural lashes look much better girl. :)

[@SBSunshine]

I agree. She's naturally beautiful and fresh faced. She doesn't need to pay for any extras lol.

[@MarySmith-ol9ki]

I loved your lash extensions, Mike, but honestly you are so beautiful naturally and your natural lashes are beautiful, as well!! Budget AND "Booty" (ha ha ha) win!

[@thebudgetmom]

Thank you!!!

[@localone1597]

Really love your worksheets. Are these you personally designed? Are they just available through your site?

[@marshahensley7618]

Hey thanks for your videos. I have a question as far as your five dollar challenge. So as you're going through stuff in your envelopes and you come across your $5 would you take that out then and subtract that from your envelope or if you had that 5 left over during the month take it out then?

[@PencilStash]

Hello! Love your videos! Doing cash envelopes for the first time EVER this month and have a question. If you take out “shopping” cash as your budget, but then buy something on amazon and use your debit card, do you take cash from your envelope and deposit it back into your checking acct to cover that? That’s what i was figuring, however if you have a better way, let me know! Thanks so much!

[@yojs17_]

PencilStash You can! But she uses her checking account cushion for online purchases,

[@staceyrothchild3450]

Make sure besides food and litter you factor in yearly vet visits for shots, etc as well as maybe a kitty emergency fund - I was very happy when I had that money already saved come annual checkup time! If you call your vet they should be able to tell you about how much it would be.

[@sophielaronze6557]

1st comment from France 😁

[@alexandraava9251]

Bonjour de Normandie 😊

[@bubbieble]

Hey what's up with the €50,- bill in your wallet ? haha, love the bloopers!

[@danyelllittlefield4001]

I would love love love it if you made a $5 envelope for the challenge!

[@tepta4915]

I bumped into your video like 2 months ago and your budgeting method got me. I started this month hoping that it'll help me save for the future, or at least not getting broke until the new paycheck comes. Lol. Much love from the PH. 🇵🇭

[@shaziachamdiya4604]

I did the £5 challenge in 2018 and saved £705! :D

[@deedee3642]

Love your videos! 💕Just a quick question about the $5 challenge... while you where stuffing the envelopes there was a $5 bill. Does that just go directly to the savings jar then? Would you just adapt to $5 less in the envelope?

[@MFraze19]

yes ;)

[@momma_to_6]

Love all of this! So with the cash envelopes, do you track the spending on the tracker that's inside your envelope as well as track that same transaction on your expense traccker in the workbook?? Do you just copy it into the workbook at home each day what you spend in cash from your envelopes?

[@maggiem1404]

ForeverJamz Yes. She has an article on her website that talks about how she does it. Basically she updates the spending every night in her tracker (and highlights her categories) so that she can just total it all at the end of the month.

[@loveandjoy810]

My kids have a 529 plan as well here in Arizona. We finally got the rate of return on it and it’s 3%. Basically inflation. Which means my kids money is standing in place but not getting ahead. So we started a Betterment account and started saving for college there, we’ve made more money there. If your kid is more then 10 years away from college I would throw a couple thousand into a 529 for the tax savings and then everything else in the stock market. Just a suggestion.

[@sharonbarrett9151]

Great presentation. Picture of Kitty please.

[@doubleal2584]

When will you be restocking your planner? Need to get a 2020 planner soon but really wanted yours!

[@thebudgetmom]

The Live Rich Planner launches in June

[@imanjones4026]

I decided to open up several different bank accounts and use those as "envelopes" automatically for the larger "goals..." and I am going to start carrying envelopes around but put no money in them just subtract the amount alloted by tracking the receipts instead of cash

[@kristinawithak3095]

Hi Miko! Quick question: I am using my new BBP Workbook and looking at this video for reference. I notice you don’t have any cents/change on your bills; they are just whole numbers. Are you rounding up when you pay your bills? Or do you create your budget with whole numbers only, and if so, where does the change go? I hope this makes sense! LoL. Thanks for the great videos...I’m excited to start this new system! 🙏🏾❤️

[@thebudgetmom]

For my cash spending, I round up and save the change to put towards my sons education fund.

[@jademurray5233]

When might the budget by paycheck binders be back in stock?!

[@Nelly8812]

They won’t be until the next launch in october. The printable is available, though.

[@opalhazlett7102]

I would to just have a book like yours. I'm having trouble getting it all together to see how much etc.

[@thebudgetmom]

Have you taken my free email course? It's a great place to start and has tons of freebies as well as clear action steps >> thebudgetmom.com/start-here

[@nathaliethomas621]

Hi, so helpfull, but I'm wondering why you got euros in your wallet...

[@aleljzz2978]

Wowow great goals But is alot of money 💰

[@carolc2086]

What kind of label maker did use? Love your ideas and your channel! 😀

[@thebudgetmom]

It's a dymo label maker

[@maggiem1404]

Anyone has any idea how she made the debt free tracker? I wanted to make a custom one for saving up for a trip to Australia. Thanks!

[@jadiecakes3241]

You could probably make your own in Excel/photo shop? Or even word you could probably do it if you made the picture first, then set is as background and put a table over the top, just might not look as pretty.

[@MsMtshasta]

Which planner are you using in this video?

[@carolynmcfetridge3991]

What are you doing with the $5 challenge savings jar?

[@MicahRion]

This really inspires me to sit down and envision what I want my year to look like in terms of finances. I usually do some planning, but not that far out. I hesitate because I'm scared of thinking that far ahead, but I feel inspired to try it now!

[@elisalynch2316]

Hi do you budget from the gross or from net what you take home?

[@LindsaySatmary]

So I've heard of the cash envelopes and I totally get the point of why they are great to do. However, I'm confused about the actual application of them. I have 3 kids. Say I go to Target to buy groceries, cleaning supplies, personal care items, and an outfit for my kids. Do I separate all the items at checkout and do 4 separate transactions? That sounds stressful.

[@thebudgetmom]

I do, yes. You can definitely choose to categorize your expenses differently if it would help you :-) For example, you can combine your cleaning supplies, personal care supplies, and food into a "grocery store" category

[@imanjones4026]

Girl! You are naturally pretty you don't need any money in a "beauty" envelope. Smile

[@melarcher9247]

If I were to do the $5 challenge, I definitely wouldn't track it. That ruins the fun of counting it up at the end!

[@daniellearoy]

I wouldn't track it either. I feel like that would be a waste of time to track

[@TheBellabrunella]

Question- do you put in your monthly calendar how much your bill is due or how much you’re going to pay?

[@thebudgetmom]

Yes, I put the bill on the correct due date as well as the amount due :-)

[@mikkigoodman]

Teller notes cost as much to ship it as to buy it. I will have to wait till I have more to order, lol.

[@carmenmangum7843]

Mikki Goodman yep, everytime that link is shared it goes to the meal plan

[@diamondjanedoe4317]

I know!!

[@MadelineKing]

Hey Kumiko! What labeler do you use? Such a gorgeous font!

[@devenie]

Yes please share.

[@specialk8927]

The sound of 20-20 is driving me crazy!

[@qhaireeniqa7936]

now i get it... i just follow you...

[@MsMdgrace]

When are you going to stock up on the Live Rich Planner? And your workbooks?

[@thebudgetmom]

June for the Live Rich Planners, and the next launch for the Budget by Paycheck Workbook's is in October, and until then the downloadable version is available!

[@Crystal-jy9ti]

Hey Miko, do you know where I can pick up a square hole punch in order to add extra sheets to my workbook?

[@thebudgetmom]

I'm honestly not too sure!

[@roosmaurid3470]

Haha i live in the netherlands and i saw a 50 euro bil in your planner 👀😝

[@marissamack5428]

video request on where your coins go at the end of each pay period cause when I document my with drawls and deposits the numbers are different from my planner compared to my checking account. itll be off by a few dollars and cent amount :) I mean I know its in my coin jar/bank butttt id like to see how you deal with your coins. coin video will be awesome and something different on your channel :)

[@maggiem1404]

marissa mack she’s said in a previous video that she put all of her change in a jar and deposits it at the end of the year. I plan on doing the same thing, so I just round my transactions to the nearest dollar and throw all my change in the jar. I think you can then track it as “income” at the end of the year when you cash it out.

[@monicaphillips163]

I wonder what planner are you using??? please and thank you

[@aileenortega6761]

She sells her own planner on her website

[@lifewithsheeka6875]

💜💜💜

[@rjsweez]

Does your renters/homeowners insurance cover you having that much cash on hand? For example, if my house burned down today, my renters insurance would only cover $200 in lost "cash." If I had $1000 in envelopes like this, I would just be out $800 in case of a fire or some other loss because my insurance doesn't cover the loss of that much physical money. Do you use the envelopes on a monthly basis, then take the cash to the bank at the end of the month?

[@rlrl2768]

Rhiannon Jaye Schwisow get a fire proof safe.... preferably a safe that can be bolted down

[@imanjones4026]

The only concern is that now with Covid ppl are not using cash anymore...can you think of a fun way to do this without cash? I will be doing the same! Thanks

[@kairitamm5570]

HOW DO YOU DO SAVING TRACKER AND DISNEY TRACKER?

[@jadiecakes3241]

Damn $6k for disney land??? I went to europe in 2018 for a month for that :o (I really wish Aus had a disney land though). Im doing a $5k challenge for the year, on top of the 18% i already save. Fingers crossed!! I want to go to Japan late this year/early next year :D

[@Alejandra_2911]

I love your budget planner binder, where can I purchase it ?

[@thebudgetmom]

The downloadable is available, and the physical version will launch in October. You can find all products in the shop >> shop.thebudgetmom.com

[@joycexxx1536]

Hi! I see you have 50 euro in your filofax! Planning on going to Europe? I'm from The Netherlands

[@maggiev9031]

What label maker and font did you use for the labeling on the envelopes (black font) I have your envelopes-not labeled yet. tsk

[@toschaferguson5749]

I wish you could do my budget :))

[@taliaconnolly3369]

Are you depositing the cash that is left over every month from your cash envelopes back into your checking account?

[@ashleyross4503]

Know if people buy the sinking funds envelopes how do you print them and make them into envelopes or can I get them printed somewhere like OfficeMax or somewhere

[@thebudgetmom]

You can print them at home, or you can definitely get them printed at an office supply store.

[@cgbehles4]

Does anyone remember how much that clear jar was on Amazon originally? Now that they're sold out (until 1/13/20), the seller is now charging $32.99 (which I want to say is almost triple what she paid) and is saying that it's now a thicker material to justify the increase. However, the seller is using the original listing/pictures and the description makes no mention that it's new and improved.

[@cristinakelough3093]

It seems like the filofax link redirects you to a meal planning article

[@jill8777]

Same problem here too.

[@mikkigoodman]

Same

[@adventuregalloway]

Same

[@marshahensley7618]

I've looked everywhere I cannot find anyting about the filofax?

[@adventuregalloway]

She did a video on it a while back but that link showed sold out I believe

[@steffb9224]

“Food, Fun, Gas, BOOTY 🍑 “ 😂😂💀

[@MichelleSlotChik]

$5 challenge I never keep Cash on me 🤷🏼‍♀️ like never so cash envelopes would never work- I also would not keep that much cash in the house and omg this stresses me the hell out

[@ramonacardona1430]

I have found using cash helps in saving because you can "See" the money you spend daily. Especially when each cash envelope empties out. Cards you get back and you dont "feel" the loss.

[@MichelleSlotChik]

Ramona Cardona Too much of a pain in the butt to have to go to the bank and get cash out

[@candisnicole1417]

Where do you get your stickers from for the planner?

[@MarySmith-ol9ki]

The Budget Mom shop!

[@thecoachingrelationship]

I have been waiting for the printed budget book, do we know when you are printing more. I bought the download last year and I don't like it as much. Thanks.

[@MarySmith-ol9ki]

Hi...I believe she has said in June (I might be wrong, but I think I remember her stating that).

[@thebudgetmom]

October is the next launch for the physical workbook!

[@janokero]

How expensive is Disney park that one needs budget / save 6K for that?

[@imanjones4026]

I'm trying to think ...how would I do this without cash? Maybe just everytime I purchase something pretend as if I used cash and push $5 into my savings account? Yea that sounds like a plan.

[@roula79v.5]

When is the budget workbook gonna be again available and do you ship to Germany?

[@thebudgetmom]

October is the next launch for the physical version, and until then the downloadable version is available. And yes, I ship internationally :-)

[@brandicastle4861]

I’m seeing a lot of questions, but no answers. Kind of discouraging to a new subscriber, but I’ll ask anyway... How would you go about budgeting by paycheck when one person gets paid biweekly, and the other weekly?

[@candy2325]

Brandi Castle hi! I get paid weekly and I basically write out all my expenses for the week and I divide my monthly payment by 4 weeks to get the exact amount I need to pull from each weekly check to pay for that bill. My car bill is $303 a month so each Friday I pay $75 each week (I usually round up to $80-$85 to add a little extra). I like doing it that way because it makes paying large bills easier with my weekly income.

[@brandicastle4861]

Candice Dodd thanks so much!

[@thebudgetmom]

Sorry! I got behind on answering these comments :-) If you and your spouse share finances, then you would create a budget each paycheck and fill out a paycheck bill tracker. On the weeks that you both get paid, you can combine paychecks (hold onto the first paycheck until the other one comes) and only fill out one paycheck bill tracker that week.