The Every Dollar experiment was a dumpster fire. I budget per paycheck. I always have. Budgeting for the month with money I don’t have yet just doesn’t work for my brain. As you saw, my expenses are not complicated. So what I do is pay bills, including minimum payment for credit card, then see what I need for any diving or extra activities (including things I need to save up for), and what I want to put into savings or extra against debt. I don’t use cash for anything so I can easily look at checking account or Apple Card (I use this for gas and things like that and pay balance immediately) to see what I’ve spent.




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