Two households can earn the same monthly income and still experience very different money problems. One may receive a single deposit just before major bills are due; another may be paid several times across the month. People examining ideas for planning around borrowing and repayment can benefit from studying this timing before adding a new payment. A cash-flow calendar shows not only what the household earns and spends, but also when money is actually available to meet an obligation. Continue reading “Your Calendar Knows Where the Money Goes: A Cash-Flow Map for Every Payday”
