Planning for Irregular Expenses is key to getting out of the paycheck to paycheck cycle. Trust me, you’ll be glad you did.
This is what I refer to as reverse budgeting. I hit these goals first. Then I do my best to stay within my budgeted dollar amount categories. If I spend too much on eating out, it may mean less grocery or spending next month, but it won’t mean that I don’t do what I have decided is the most important to me. I prioritize my income.