How to budget when life doesn't hold still.
12 guides, each a set of steps you can follow with a spreadsheet or with Allocate. Invented numbers, real method, and at the end of each one, the plan Allocate would write.
Pay that comes in pieces
- How to budget a bonus before it landsDecide what it does before the deposit shows up
- How to budget on commission incomeA floor you can trust, and good months that do something
- How to plan around RSU vestsTurn a vesting schedule into income you can plan with
- How to budget when your pay changes every monthHourly, tips, freelance, overtime — a plan that survives the low months
Life events
- How to save for a wedding without wrecking the rest of the planA dated goal, funded from the right money, without stalling everything else
- How to save for a house down paymentFrom target price to a dated goal, including the cash people forget
- How to budget for a babyThe one-time costs, the leave gap, the new monthly line — and the plan that settles after
- How to budget for a move or a rent increaseAbsorb a permanent change in the biggest fixed cost, and re-date the goals around it
Foundations
- How to build an emergency fund fastThe right target, where it lives, and how to get there in months
- How to pay off debt with a plan you'll actually keepA payoff date, room for the lumps, and a rule for the bad month
- How to budget after a raise (so you actually keep it)Find the real number, give it a job the first month, enjoy a slice on purpose
- How to budget a job changeThe gap between checks, the sign-on, what resets, and the stock you leave behind