Question

Hello i have a couple of questions. i have finnally pulled out my budget crush workbook. and my first question is when adding up the pay checks for the month do you only add what the check actually is (example gross pay 1074. 50 but my check amont ends up being 685. 21)which leads to my second question. my health, dental, vision, short term dis., 401k, and roth all comes out of my check. do i put that on my monthly tracker? and fyi seeing it all written out sheesh i get alot taken out my check. looking for any advice please and thank you

Answer 1

Most just track their net pay on the trackers. Not all of their deductions.  

Comments

@matthia so silly question the net is what i bring home after all the deductions?  

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@jehu523 yes sorry I get it mixed up. The amount your check is after all deductions lol

Answer 2

I track the final amount I get. I dont "budget" the items that are taken out. but if you wanted to keep a separate tracker so you can count your total savings amount that would be good. Just make sure you're not taking it out if the take home amount.  

Answer 3

I would hate to look at the numbers each month of everything taken out. we have over 3k taken out in taxes, medical, vision, dental, union dues, prepaid lawyer. railroad retirement items, 401k, company stock. ‍♀️ Track what you bring home;-)

Answer 4

I only track what comes home because it is always the exact same deductions and there is no point in me doing all that math.  

Answer 5

I have all my bills set for closer to the end of the month. And the first half of the next month. So technically I’m ahead on bills. I like to just use one tracker and track everything on one I don’t break up paychecks why to many steps for me.