Updated to add, I’ve been using this method for about 20 years at this point and it has worked well across a variety of employment and family situations, including when I was doing shift work that varied seasonally, unemployed, and in a multi-family household. Knowing what my monthly burn rate is and being able to easily experiment with different scenarios by copying my budget to a new tab is so useful.
I use a spreadsheet, following the method outlined in this deck. I’d be happy to answer any questions you have about it. https://docs.google.com/presentation/d/1KWMaKKUYPGuuxnQa10Yfzryy5JQsplmvhVtGbajm9is/
Updated to add, I’ve been using this method for about 20 years at this point and it has worked well across a variety of employment and family situations, including when I was doing shift work that varied seasonally, unemployed, and in a multi-family household. Knowing what my monthly burn rate is and being able to easily experiment with different scenarios by copying my budget to a new tab is so useful.