Ok, I think I've got my head around this a lot more since the past week (thanks again to everyone), but the one thing I find that's doing my head in when trying to budget still is . . .
I get paid on the 1st and 15th of every month (sometimes it drops a couple days early if date is on the weekend). On top of that, I get a second check from a side job every (and only) 15th that's about 20% of the regular job paycheck.
Now, of course, some bills are due in the 1st-15th period (rent, insurance, etc), and some are due in the 15th-30th period. This has been an issue forever and a day. I've called all the CC and other people and shuffled due dates as much as allowed, but no more wiggle room there, so schedule is where it is now.
So, to start with, how do you budget for things of this nature? I see that the idea (probably) is that you have a buffer and can then basically sock away half of everything each period, but I'm currently over-budgeted so I'm not sure how I would get from a (now) to b (buffer) exactly . . .