Next Paycheck guides
Guides to keeping your money.
Step-by-step guides for the money questions people actually search for: what's safe to spend until payday, how to run a no-spend challenge, how to wait out an impulse, and how to do each one in Next Paycheck. Several include a free printable or a quick calculator.
Paycheck budgeting
How much can I spend until payday? Safe-to-spend calculator
Enter what you have, your bills before payday and the days left. Get what's safe to spend, per day, and what a purchase would leave.
Read the guide → TemplatePaycheck budget template: a free printable for weekly, biweekly and monthly pay
A printable worksheet for one paycheck at a time: income, bills due before the next check, savings, and what's left per day.
Read the guide →No-spend & low-buy
No-spend challenge: the rules, a free printable tracker, and how to keep the streak
The rules, an allowed-and-not-allowed list, how long to go, and a free printable 30-day tracker for your streak.
Read the guide → ChallengeLow-buy year rules: how to do a low-buy (or no-buy) year without hating it
How to write low-buy rules you can stick to for a year, with allowances, a replacement rule and a printable rules sheet.
Read the guide →Impulse control
The 24-hour rule for shopping, and when to use the 72-hour or 30-day rule
How waiting rules beat impulse buys, which one to use for which purchase, and a free printable 30-day wish list.
Read the guide → Checklist10 questions to ask before buying something, and a free checklist
Ten quick questions that catch most impulse buys, in the right order, plus a printable wallet-size checklist.
Read the guide → TemplateImpulse spending journal: a free printable template and how to use it
Log the item, the price, the trigger and the feeling, then read it back after two weeks to find your patterns.
Read the guide → AI coachAI money coach: an AI budget coach that roasts your spending (no bank login)
What AI money coaches can do, the bank-linked kind versus the ask-first kind, and why being roasted actually works.
Read the guide → How-toHow to stop online shopping: 12 ways to break the add-to-cart habit
Twelve ways to add friction back into online shopping, with notes for Amazon, TikTok Shop and Instagram.
Read the guide →Is it worth it?
Cost per use calculator: is it actually worth the price?
Price divided by realistic uses, for two options side by side. Find out which one is actually cheaper.
Read the guide → CalculatorPrice to hours worked calculator: how many hours of work is it?
Enter the price and your take-home pay to see how many hours, and work days, it really costs.
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