No matter how much you love Netflix, you could pause it for a month if you had to.) In other words, “have-to” bills include anything you can’t decide to skip. Fuel for your car (or other transportation).Your monthly “have-to” bills are things like: That’s your average monthly take-home pay. ![]() Add those things together, and then divide by 3.If you have cash you don’t deposit, estimate an average week and multiply that by 13.Add up your bank deposits for the last 3 months.No matter what your personal situation is, even if your income changes from month to month, you can still work out a good starting point for your monthly take-home pay: Do you get paid every week or every 2 weeks?.Do you have a side gig that brings in some extra cash?. ![]()
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