<prompt> Human: My fiance and I are going to deploy an envelope budgeting plan and Im sure I over complicated everything. I made a spreadsheet of our expenses and how much funding should go into them as we get paid. Spread Sheet: My question is our bills of course go in on different dates. Should I be breaking bills down into 4 week funding due to our 4 checks or should I be paying the full amount of the bill with one check? So confused. Hope your guys and guide in the right direction. We have other things pending on our credit report we need to pay but we are allocating our money into a saving to later take a look at the things we have to pay. We are thinking of going to a credit report person later this year because we want to buy a house.  <response>: I have a slightly off-suggestion. Once upon a time we my wife and I tried to micro-manage the budget like you have setup here - so many categories, so labor-intensive to keep up with it all. Eventually, we found it much easier to keep up with and thus follow a simpler budget. You have a lot of categories that probably overlap, for example, you have entertainmentdining out, His spendinghis clothes. EmergencySavings, When we had overlaps like this and a purchase could go either way, it sort-of defeated the point of the budget when you could justify that the purchase could be a category with more money in it. The way thats worked better recently for us is this:Expected income - total bills you have to pay those in full regardless of how much you budget, right? - savings money to budget. We take all those things off the top and work with whats left.We take that money into 2 categories: needs groceries, medical, household and other. Thats it. Its been a lot easier to follow, and a lot easier not to cheat the budget. Maybe you need a hisher other account since you are engaged and probably still working on consolidating to a single financial system, but making the whole thing this complicated is setting you up for an uphill battle. 