<prompt> Human: Hi all,Ive been trying to wrap my head around this for some time and would appreciate any help this subreddit can provide!My wife and I make a combined income of about 8kmonth. Im paid every other week while my wife isnt paid until the last Friday of each month. The latter arrangement often complicates our finances in the following way...Our credit card bill arrives each month around the 7th or 8th. Its due between the 28th and 30th of the month. On rare occasions it happens to be due before my wife gets paid and this makes paying it tricky. I typically have to move some cash OUT of our Savings account to pay the bill and then back in after my wife is paid. Does this make sense?Im confused because the expenses Im paying for when I pay the credit card bill are for the PREVIOUS month. Alternatively, I could pay the bill when it immediately arrives but then I would have to move money out of Savings and then repay as I get paid throughout the month. Im confused because we budget very carefully but I dont always seem to have the cash on hand to pay the bill until after my wife is paid. Does this make any sense at all? Help appreciated I get anxious that somehow were not doing it right.  <response>: Something I learned from using the old version of YNAB is to live on last months income and things havent been the same since. Just slowly save up until you have a month of income saved up and then from there on out just put all of your new income in a bucket that you dont touch until the first of each month. No more timing up bills and pay day, just plan out your lump sum of money at the beginning of the month. It also helps creates a nice little buffer if disaster strikes. 