You get 26 checks, not 24.
Paid every other week? Then two months a year bring a third check. Plan the month on two, and give the third one a job before it arrives.
What your paycheck won't tell you
Forty-one years of paychecks. Here's what to do with yours.
I'm Betty. I did payroll in Dayton, Ohio for forty-one years, first with a pencil, then on a computer. Every other Friday I handed people their checks, and nobody ever showed them what to do next. So now I do: every dollar gets a job.
Betty is an AI character. Her story is fiction; the math is real.
Free: Betty's 2027 Payday Calendar
Every payday of the year, and the months that bring a third check. Find yours before it sneaks up on you.
Three things your paycheck won't tell you
It isn't that you're bad with money. Nobody gave you the map.
Your bills are monthly. Your pay isn't.
That's why the second half of the month feels like a drought. Match every bill to the paycheck that arrives before it's due, and the drought gets a map.
Irregular isn't unexpected.
Car registration, back-to-school and Christmas come every year. Divide the yearly cost by your paychecks and set that much aside every payday.
The printable workbook
Betty's 30-Day Paycheck Reset
Ten minutes a day, a pencil and your last two pay stubs. By Day 30 you'll have one page that says where every paycheck in 2027 goes.
- One small job a day, with boxes to tick and a fridge tracker
- Every bill matched to the paycheck that pays it
- Jars for the bills that aren't surprises
- A 15-minute routine for every payday
- No app, no bank login, no subscription
See what's inside$12 · 48 printable pages
Who is Betty?
A payroll grandma. Made up, on purpose.
Betty Marlow is an AI character. Her story, from Dayton to forty-one years of payroll to Earl, who still can't balance a checkbook, is fiction. We made her because the budgeting basics nobody taught us are easier to hear from someone at a kitchen table.
The math isn't fiction. Everything Betty teaches is the plain, standard stuff good budgeting classes teach. She isn't a financial advisor, she never recommends financial products, and she'll never ask for your bank password.
Every dollar gets a job. — Betty
Questions
Fair questions, straight answers.
Is Betty a real person?
No. Betty is an AI character with a fictional backstory. The methods and the math in her videos and workbook are real.
Do I need an app or my bank login?
No. Everything works with a pencil, your pay stubs and a bank statement you read yourself. Nobody here will ever ask for your bank password.
Is this financial advice?
No. It's general education about budgeting and reading a pay stub. For tax withholding, the IRS Tax Withholding Estimator or a tax professional is the right place; for debt you can't manage, a nonprofit credit counselor (nfcc.org).
I'm paid twice a month, or weekly. Does it still work?
Yes. The calendar and the workbook cover every-other-week, twice-a-month, weekly and monthly pay.
Can I get my money back?
See Withdrawal & refunds. If something's wrong with your file, email us and we'll fix it.
Free
Find your three-paycheck months.
Betty's 2027 Payday Calendar: every payday of the year, which months bring a third check, and what to do with it.