03C · Budget System
Paycheck to Paycheck
A budget that matches how money arrives. Each bill is assigned to the paycheck that pays it, with a leftover — the safe-to-spend number — after bills and a planned buffer add.
$12
Spreadsheet · Printable PDF · Hyperlinked PDF
Who it is for
People paid weekly or biweekly who find that a monthly budget does not match when money actually shows up.
The hero tool
The next-paycheck plan is the one-page plan for the upcoming payday: take-home, assigned bills, leftover, and a written plan if the check is short or late. A buffer builder shows a path to a target cushion. A bill-move what-if shows both paychecks’ leftover if you move a named bill, before you change the assignment.
What is included
- A calculating spreadsheet that opens in Excel, Google Sheets, and Numbers (no macros)
- A printable PDF (US Letter; also prints on A4)
- A hyperlinked PDF for tablet annotation apps
- A dark-theme hyperlinked PDF
- A Quick-Start guide and a compact bonus pack
- A start-here note and a personal-use license
Prefer all four editions? See the bundle.
Inside the file
These are real page renders from the planner, not mock layouts.
Planning tool only. Not financial, tax, or legal advice.