Worksheet · Free PDF
Bill calendar
A month grid to map due dates against paydays.
Most cash-flow stress is timing stress. The money is there; it is just not there on the day the bill leaves. Seeing a month laid out on paper, with your paydays across the top and your bills marked in the days they land, usually makes the shape of the problem obvious.
Fill it in for one month by hand. Circle the bills, mark the transfers, note the paychecks. Then look for the gaps and shift what you can — most billers will move a due date if you ask.
Download the PDF (US Letter)What's on the sheet
- Write your paydays across the top — Two, three, or four dates depending on how you are paid. This is the rhythm the rest of the sheet has to fit.
- Mark bills as circles on their due dates — Rent, utilities, subscriptions, insurance, the car payment. Whatever leaves the account on a schedule.
- Look for gaps and shift what you can — A bill that lands the day before payday is a phone call, not a fact of life.
Plumb is financial education, not financial, investment, tax, or legal advice.