<prompt> Human: Greetings rpersonalfinance!My wife and I are 24. Ive been budgeting for years, and we used my past budget for our first year of marriage. It worked... kind of. I always took my yearly income, divided it by 12, and then knew thats what I could spend for that month. This worked for gas, utilities, food, gifts, rent, everything else. I was a single guy, and I didnt really buy a whole lot.Things changed when we got married, and still used the INCOME12 method. We needed a weekly budget for Walmart, groceries, etc. We plan our meals, have house needs, and other things like this. It became tricky when some months had 5 weeks, and some had 4. This meant we got less groceries during January 5 weeks, than in February 4 weeks.Similarly, we have X budgeted for gifts. Well, 65-70 of our gift budget goes to Christmas. Thats December, and our budget starts over every year July 1. That means were spending 65-70 of our gift budget when we only have 50 allocated because were only halfway through the year.So, what do we do when we spend money we DONT have, but WILL have one month, and then the next month we DONT spend what we DO have, because its not needed? There must be a better way.We have 2 bank accounts:1 for weekly expenses food, gas, clothes, entertainment1 for monthlysaving expenses car insurance, doctor visits, dentist, car repairs, savingsShould we get more accounts? Have 1 for things that are not equally divided by months, like gifts, haircuts, house expenses?Should we start a 52-week budget, instead of a INCOME12 budget?We need your help. Were getting by with this budget, but it just seems so inefficient. Thanks for reading this essay, and I look forward to hearing your suggestionsstories!  <response>: If you have to care about exactly when you get paid, youre living paycheck-to-paycheck. Thats the first problem you need to solve.Your first priority is to start living on last months paychecks this month. Build up at least a one-month buffer, and suddenly it doesnt matter if youre paid weekly, biweekly, monthly, whatever, because your paychecks are paying for next month.Once youre in that kind of position, it doesnt really matter whether you budget by week or month, thats just a matter of discipline. 