To delay bill payments

To ensure bills are paid on time

To increase bank interest

To avoid paying bills

A cash payment

A check payment

Money directly put into your bank account

A credit card payment

State taxes

Federal taxes

Health insurance

Retirement savings

Total income before taxes

Income left after taxes and necessities

Income saved for retirement

Income used for bills only

Income before taxes

Income after taxes and savings

Income available for spending and saving after taxes

Income used for investments only

Expenses that change monthly

Expenses that do not change from month to month

Expenses that are optional

Expenses that are paid annually

Expenses that are fixed

Expenses that can be changed

Expenses that are unnecessary

Expenses that are always the same

Pay after taxes

Pay before taxes

Pay including bonuses

Pay after deductions

Pay before taxes

Pay after taxes

Pay including overtime

Pay before deductions

Budgeting with a surplus

Budgeting with a deficit

Justifying all expenses from zero

Budgeting without limits

Starting with a zero budget

Using last year's budget and making small adjustments

Ignoring previous budgets

Doubling the previous budget

Using digital payments

Keeping cash for different categories in separate envelopes

Using a single envelope for all expenses

Using credit cards for all expenses

Only income

Only expenses

Changes in cash and cash equivalents

Only savings

The gain from all alternatives

The loss of potential gain from other alternatives

The cost of the chosen alternative

The savings from not choosing an alternative

Valuing new items more

Valuing owned items more

Valuing all items equally

Ignoring owned items

Ignoring past investments

Making decisions based on past investments

Focusing on future gains

Avoiding all costs

Preferring gains over losses

Considering losses more important than gains

Ignoring losses

Focusing only on gains

Acting independently

Conforming to others' behaviors and beliefs

Ignoring others' opinions

Leading others

Seeking information that contradicts beliefs

Ignoring supporting information

Searching for information that supports preconceptions

Accepting all information equally