Month:
The Two Checks
Paycheck 1
Date: Take-home: $
Bills due before the next check
Bills total: $
Spending money: $ To savings: $
Left unassigned (aim for $0): $
Paycheck 2
Date: Take-home: $
Bills due before the next check
Bills total: $
Spending money: $ To savings: $
Left unassigned (aim for $0): $
Paid weekly? Use one block per pair of checks. Extra check this month? It goes straight to savings or debt — it was never in the plan.
Monthly Rollup
| Check 1 | Check 2 | Month Total | |
|---|---|---|---|
| Take-home | |||
| Bills | |||
| Spending | |||
| Savings / goals |
The Method
- Assign every bill to the paycheck that lands before its due date — that's the whole trick.
- “Left unassigned” should be $0: every dollar gets a job — bills, spending, or savings.
- If a check goes negative, move a bill to the other check or ask the biller to shift your due date — most will.