I consider myself an intelligent woman. Granted, I have made stupid choices....but as a whole, at least 22 of the 24 crayons in the box are sharp.
When I have worked out my budgets, it is based on the typical month pay (give or take). For example, if they cut hours at G-man's part time job, his weekly paycheck will be a little lower. But it usually balances out in the end. His main job paycheck is fairly static (I am curious to see what that number will be with tax differences, medical insurance, and FSA differences). The biggest wild card in all of this is OVERTIME.
(NOTE: We agreed that OT is NOT a side hustle)
In the past, overtime pretty much got sucked up into life. Mostly, when we went over in a budget category.....food being the number one culprit. How stupid we are.....
Now, as soon as there is overtime on a paycheck, it gets moved out of the main account immediately. It isn't budgeted money. No more getting sucked into the darkness of the great abyss. It will get held until all of the budgeted expenses are paid, and then that EXTRA money will go where it belongs....as an EXTRA payment to something.
G-man had to get up at 2:30am.....yes, you read that right, 2:30am....to be at work for 4:00am this morning. He will be earning OT all day (and without going into detail about his job, this is the stuff he LOVES to do), and he will work his regular shift tonight. Today will be about 10-11 hrs of OT (unless they are able to finish early). At time and a half, that is about 15-16 hrs of regular time......2 days worth......or about 20% extra.
That EXTRA money....because that is what it is.....will make an EXTRA payment somewhere.
(I am being vague about the somewhere because of the new mortgage refi. Depending on when it closes, and we get the escrow money back from the current loan, we will have to see where we are at on the snowball. The current plan is that the month off from our mortgage and the escrow will pay off CC1 and Student Loan 2, and part of Christmas nonsense. If OT hits before the mortgage closes, then OT will be used for the above stuff, and the mortgage stuff finishes off the above, and the remainder goes to the next debt victim).
I probably make things harder with all my little piles. But it works for me. I need to visually see it all broken out. So for now....the piles stay. His OT today will probably be in his paycheck on Jan 24, so we have a few weeks before we will see it. But I am looking forward to it!!!