The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
How to Budget When You Get Paid Once a Month
Paid once a month? Protect bills and savings first, then work out what the rest of your paycheck actually needs to cover each day.
How to Budget When You Get Paid Weekly
Getting paid every week while your bills arrive monthly? Here's how to protect upcoming bills and know what's actually available to spend.
What to Do With a Third Paycheck Month
Got three paychecks this month? First check whether the third is really extra, then decide what the money should do before it disappears.
How to Budget When You Get Paid Twice a Month
Paid twice a month? Learn how to handle bills, spending and savings across two fixed paydays without confusing semi-monthly pay with biweekly pay.
Bills Due Before Payday? How to Budget the Gap
Your monthly income may cover your bills even when the dates don't. Here's how to handle bills that arrive before your next paycheck.
What to Do When Your Bills Are More Than Your Income
If your normal bills cost more than you earn, a stricter spending limit won't fix it. Find the gap, protect essentials and decide what has to change.
How to Budget a Bonus, Refund, or Other Windfall
Pause before allocating a bonus, refund, or other lump sum. Confirm the net amount, cover urgent gaps, protect known costs, and choose a deliberate split.
How to Build a Budget After Divorce or Separation
Build a temporary post-separation budget from income you control, immediate housing and care costs, account access, due dates, and uncertain obligations.
How Couples Can Budget With One Steady and One Irregular Income
Use steady income for dependable baseline costs, assign irregular deposits after they arrive, and agree on buffers, personal spending, and low-month rules.
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