Income this month
received so far
Expecting this month
Budgeted this month
Spent this month
from the Bill Log
Ready to assign
Envelopes
Available = everything you’ve budgeted since the first budget month minus everything spent, so leftovers roll over and overspending carries forward. Ready to assign = income since then minus everything budgeted. Income paid in pieces (like the 15th and the last day)? Type the month’s full total in “Expecting”, and it counts as soon as you budget it. Aim for $0.