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Debt Consolidation Help

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National Association of Certified Credit Counselors ISO 9001:2000 Certified on Quality Management System and BSI
Financial Education, Credit Counseling, Debt Management. You can find help with budgeting, credit card debt, loanmodification, and do-it-yourself resources.

The Extra Paycheck Principle

Get paid weekly or bi-weekly?  If so then take advantage of four "extra" weeks pay per year.

The four "extra" weeks result from budgeting all expenses on a four week month.  By living on four weeks pay per month, you can save four weeks pay per year for vacations, to pay-off debts, etc.

"Budget to live on four weeks pay per month, or 48 weeks pay per year, and you will be able to save one month pay per year" 

If you get paid weekly, then four months per year you will receive five paychecks.  The fifth paycheck is the extra check that may be saved or other wise segregated.  Bi-weekly employees will get three paychecks two months out of the year.

The right hand column is an extra paycheck schedule for those who are paid weekly on Fridays.  All others please consult your calendar!

If paid weekly every Friday

Extra paycheck dates:

03/29/02

05/31/02

08/30/02

11/29/02

01/31/03

05/30/03

08/29/03

10/31/03