Author Topic: What are you going to do with your 3rd paycheck in September?  (Read 9401 times)

VladTheImpaler

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What are you going to do with your 3rd paycheck in September?
« on: September 10, 2016, 06:20:57 PM »
If you are like me, then you're on the standard bi-weekly pay schedule and get 26 pay periods per year.
Twice a year, we get paid 3x instead of 2.
This happened back in March and again this month (September) of this year.
What are you doing with the extra cash?

ChipmunkSavings

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #1 on: September 10, 2016, 06:27:31 PM »
I'm saving almost all of it. My mortgage payment is bi-weekly as well, so that's my only additional ''expense'' for that paycheck.

Zikoris

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #2 on: September 10, 2016, 06:56:52 PM »
I had one in June, and get another one in December. Always fun doing a giant full-paycheque investment deposit.

alsoknownasDean

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #3 on: September 10, 2016, 07:12:10 PM »
Meh, it goes mostly into the savings account the same as any other pay.

Tris Prior

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #4 on: September 10, 2016, 07:13:44 PM »
I am putting the entire thing into my Roth.

This is the first time in at least 20 years that I'm at a job that pays every 2 weeks. Every other place was semimonthly on the 1st and 15th. I am SO excited about the extra check!

slugline

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #5 on: September 10, 2016, 07:32:26 PM »
I'm guessing this means you get paid on Thursdays or Fridays? :)

Having a third paycheck in a month doesn't change my behavior very much at all. It goes into savings. There will be months with abnormal expenses -- hello taxes and insurance payments. . . .

coffeelover

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #6 on: September 10, 2016, 07:35:58 PM »
I'm a sahm, hubby only gets paid on the 1st and 15th each month. No 3rd check for us.

So now I will just sit back and be jealous of those who do get a 3rd check and can save it for future use.

Eric222

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #7 on: September 10, 2016, 07:42:53 PM »
I'm going to be mildly annoyed it happens the month before I start my new job with a biweekly pay schedule...

Calvawt

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #8 on: September 10, 2016, 08:37:16 PM »
Using it to fund a college football game trip that includes a casino stay.  Definitely not a frugal use of it, but we save quite a bit and I haven't seen my college friends in quite a long time!

Lanthiriel

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #9 on: September 10, 2016, 11:56:52 PM »
I called my mortgage company and skipped one of the September payments so that we could put the whole thing toward our six-month emergency fund.

cdttmm

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #10 on: September 11, 2016, 05:22:52 AM »
I teach as an adjunct at the local community college. Although we're on a biweekly payroll, our contracts are for the semester not the year. So no third paycheck here. Instead we simply get 8 paychecks if we're teaching during the fall semester and 7 paychecks if we're teaching during the spring semester. But it is always nice to have regular paychecks after having irregular (or no) paychecks during the summer. The upside to a variable income: it helps to keep my side-hustle game strong.

younggunner

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #11 on: September 11, 2016, 05:41:13 AM »
Still going to make a mortgage payment like always, straight to principal!

Bucksandreds

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #12 on: September 11, 2016, 05:48:52 AM »
Putting in a wood burning fireplace insert. It may take 10 years to pay for itself (free firewood) as it will not be our primary heating, but it's going to be a lot of fun. I estimate we'll only save a few hundred per year in heating. (Ohio)

Bucksandreds

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #13 on: September 11, 2016, 05:50:06 AM »
Using it to fund a college football game trip that includes a casino stay.  Definitely not a frugal use of it, but we save quite a bit and I haven't seen my college friends in quite a long time!

Sounds awesome. Who do you follow? Go Bucks!

KLK75

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #14 on: September 11, 2016, 09:18:35 AM »
Put it in my HSA account

iris lily

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #15 on: September 11, 2016, 09:32:08 AM »
I have to admit thatn I never understood the "third paycheck" idea until recent years, and I am old.I always got 26 paychecks a year, I thought about incoming funds as every two weeks. I always had money in accounts to cover whatever expenses I had so didnt juggle bills and funds.

My light bulb moment came when I realized that all of America is set up on a monthly financial cycle. I just am not, its not how I think. Granted, I dont pay the bills around here, I have people to do that (haha, DH.) But even when I was single, I didnt understand the hoopla about that "extra check."

Now I am retired and draw a monthlu pension check. That monthly payment is no different in my life than every other week payment.
« Last Edit: September 11, 2016, 09:34:27 AM by iris lily »

Little Aussie Battler

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #16 on: September 11, 2016, 09:45:15 AM »
No change for those of us who get paid monthly.

Spork

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #17 on: September 11, 2016, 10:03:50 AM »
What is a paycheck?

seattlecyclone

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #18 on: September 11, 2016, 11:29:00 AM »
Agreed with iris lily. I've never really felt I had "extra" money coming in. Money comes into my checking account at various times and in various amounts (my paycheck comes biweekly, my wife's paycheck comes on the opposite weeks, I get some stock vesting at the end of each month, my wife gets some quarterly bonuses, etc.). I have bills paid out of that account at various times in various amounts. When the checking account balance goes above a certain amount I invest the surplus. I might notice more of a difference if the incoming amounts were really close to the outgoing amounts, but I've always had a pretty high savings rate.

BlueHouse

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #19 on: September 11, 2016, 01:27:06 PM »
Pay myself monthly.  No party here.

teen persuasion

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #20 on: September 11, 2016, 05:41:23 PM »
Agreed with iris lily. I've never really felt I had "extra" money coming in. Money comes into my checking account at various times and in various amounts (my paycheck comes biweekly, my wife's paycheck comes on the opposite weeks, I get some stock vesting at the end of each month, my wife gets some quarterly bonuses, etc.). I have bills paid out of that account at various times in various amounts. When the checking account balance goes above a certain amount I invest the surplus. I might notice more of a difference if the incoming amounts were really close to the outgoing amounts, but I've always had a pretty high savings rate.

Yeah, our annual expenses are pretty lumpy (property taxes and HO insurance in January, school taxes and oil prebuy in October, car insurance and Xmas in December, etc).  When DH was a teacher and I was SAHM, there was no income for 10 or 11 weeks of summer vacation - he got 21 paychecks per year, no choice.  So income was uneven, too.  I learned to budget on an annual basis.

Now that I think about it, I learned to do that back in college - more time for earning over the summer, but had to last all year to cover monthly rent and personal expenses in addition to semester college costs.




Dsteadma

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #21 on: September 12, 2016, 10:47:03 AM »
I'm still a newbie mustachian. It's going to my 30k student loans. Done in 2-3 years max.

goalphish2002

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #22 on: September 12, 2016, 11:02:07 AM »
Meh, it goes mostly into the savings account the same as any other pay.

This.

dougules

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #23 on: September 12, 2016, 11:06:23 AM »
You must be on opposite weeks from me.   9/9 and 9/23 only make 2 paychecks.

JLee

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #24 on: September 12, 2016, 11:14:21 AM »
You must be on opposite weeks from me.   9/9 and 9/23 only make 2 paychecks.

Same here.  My next 3-check month is December.  Convenient, since I'd like to max my 2017 IRA on Jan 1st and that'll help.

Proud Foot

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #25 on: September 12, 2016, 12:02:36 PM »
Nothing really different than usual.  We plan our payments on a two week cycle so it doesn't change much for us.  Using the additional amount from not having FSA and Insurance premiums withheld to pay extra on debt.

Gondolin

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #26 on: September 12, 2016, 12:16:49 PM »
I'm going to enjoy seeing my savings rate for the month spike to >70%. Auto investments are set for biweekly periods.

marty998

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #27 on: September 12, 2016, 03:46:18 PM »
3 pay period September for me. As well, my property manager usually disburses 4 weeks rent at the end of each month, but this time around they will have collected 6 weeks from the tenants so it feels like a double win!

All going to buy stocks, hoping the markets remain "choppy" in the meantime :D

TravelJunkyQC

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #28 on: September 13, 2016, 07:23:31 AM »
Nothing changes for me. I transfer money into my investment accounts every 90 days, so I'll simply have a bigger amount to transfer this quarter. No biggie.

SimplyMarvie

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #29 on: September 13, 2016, 08:04:41 AM »
I'm working off-site in India this month, so rather than saving it (which I should do) I'm going to use most of it to see/do cool stuff when I'm here -- Taj Mahal, Golden Temple, etc. *shrug* I'll have another 3 paycheck month next year, but who knows when I'll be in India again?

iris lily

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #30 on: September 13, 2016, 08:58:36 AM »
Agreed with iris lily. I've never really felt I had "extra" money coming in. Money comes into my checking account at various times and in various amounts (my paycheck comes biweekly, my wife's paycheck comes on the opposite weeks, I get some stock vesting at the end of each month, my wife gets some quarterly bonuses, etc.). I have bills paid out of that account at various times in various amounts. When the checking account balance goes above a certain amount I invest the surplus. I might notice more of a difference if the incoming amounts were really close to the outgoing amounts, but I've always had a pretty high savings rate.

Yeah, our annual expenses are pretty lumpy (property taxes and HO insurance in January, school taxes and oil prebuy in October, car insurance and Xmas in December, etc).  When DH was a teacher and I was SAHM, there was no income for 10 or 11 weeks of summer vacation - he got 21 paychecks per year, no choice.  So income was uneven, too.  I learned to budget on an annual basis.

Now that I think about it, I learned to do that back in college - more time for earning over the summer, but had to last all year to cover monthly rent and personal expenses in addition to semester college costs.

I read this some time ago: people who think of their money and financial life in monthly installments tend to have less money than those who think of it as an annual picture.

I am  annoyed when financial advisors (most recently, our health insurance broker) talked in terms of monthly amounts. I hate that, I want it annualized ( so ok! It is simple enough to go x12) but
I still dont like it.

We dont work to regularize our expenses, in other words we have expenses that are uneven, like you. Our real estate tax bills are paid in December and that doubles our average monthly outlay. Our income taxes before FIRE sometimes equalled 2 or 3 times an average  monthly expenses.

We dont  participate in "budget billing" for utilities and  in spring and fall our utility bills are low, while in summer and winter they are high.

That is all fine., we reserve cash to pay expenses when they are due.

Savvy money guys here could argue that no one should keep cash of any sizable amount laying around to pay large forseeable expenses because excess cash should always be invested.  And that is a good point, I agree, I am just not that much into that tight a control of loose money.

I know two people who carefully plan their expenditures according to how much they can afford in a monthly pay,emt.  Not surprisingly, those two people have low net worth in relation to their income. In their minds they are "responsible" with money, but I see how much they could have if they actually sat back to view their in and out resources in the bigger picture, annually.
« Last Edit: September 13, 2016, 11:46:58 AM by iris lily »

NESailor

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #31 on: September 13, 2016, 09:20:45 AM »
I get paid weekly, ha! So there's that :)

I don't budget.  We spend less than comes in, and every time there is a few extra hundreds/thousands in our checking it goes into investment accounts.  Once I figure what our average is I may set up some auto-withdrawals into Vanguard but for now it's tough.  My wife just got a new job, we had baby #2 and they don't do daycare for a the full year.  We could have a month where we spend 1800 including mortgage and another when the figure is more like 5K.

englishteacheralex

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #32 on: September 13, 2016, 09:38:12 AM »
We don't do our accounting this way...we take the yearly take home pay and divide it by 12, and that's our monthly budget, which informs how much we can save/month. Most of our yearly expenses are similarly prorated so that we save exactly enough/month for things not to be an unpleasant surprise when they come due. I always wonder if anyone else does it this way.

We are very disciplined savers, so this enables us to max all our retirement funds out and put as much as possible monthly into paying extra on our mortgage.

Jouer

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #33 on: September 13, 2016, 11:02:13 AM »
Toss it on the pile, I suppose.  ;-)

Seriously though, our bills don't work that way. I estimate on a yearly basis what our bills will be and then divide that up by 52 to determine how much $$ goes into our joint account each week. There's a healthy cushion so no need to worry and we also put more in there than we need to.

I'm a red panda

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #34 on: September 13, 2016, 11:34:22 AM »
My budget (if you can call it that...) is based on my annual salary, not my biweekly one. So I don't have any "extra" money.

MasterStache

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #35 on: September 13, 2016, 11:36:32 AM »
Sigh.... Since I didn't start back to work until the end of August after my 3 month LOA, sadly I won't be getting a 3rd paycheck. Typically it all goes into savings.

iris lily

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #36 on: September 13, 2016, 11:48:35 AM »
I get paid weekly, ha! So there's that :)

I don't budget.  We spend less than comes in, and every time there is a few extra hundreds/thousands in our checking it goes into investment accounts.  Once I figure what our average is I may set up some auto-withdrawals into Vanguard but for now it's tough.  My wife just got a new job, we had baby #2 and they don't do daycare for a the full year.  We could have a month where we spend 1800 including mortgage and another when the figure is more like 5K.
This sounds like me when
I was young. No budgeting, I pulled toghethr the excess cash periodically and dumped it into income generating vehicles. It worked well for me. To hell with "budgets!"

bognish

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #37 on: September 13, 2016, 04:34:05 PM »
I don't think of it the implied way, but it just so happened to be timed in the same month as this years ski spending. Covered family season pass, upgraded gear for my daughter, new jacket for the son and new helmet for me. Easy come easy go. First time with a season pass in 10 years. let it snow!!!

Lmoot

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #38 on: September 13, 2016, 07:18:10 PM »
Like a few others, I think of paychecks on a biweekly basis, not monthly; and I pay bills and savings every 2 weeks, not monthly. On those 3 check months there's a little more left in checking after paying bills and throwing a little bit extra in saving to round things up, but I usually leave it there instead off moving it to savings since the next irregular expense is usually right around the corner (car maintenance, home repair, baby showers/weddings/birthdays/holidays).
« Last Edit: September 25, 2016, 09:53:03 AM by Lmoot »

JimLahey

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #39 on: September 14, 2016, 12:09:59 AM »
I'm actually thankful for an extra check this month because my fiancee and I just bought a house. Our first mortgage payment isn't actually due until 11/1, so we caught a break there but I had to pay to break my apartment lease and some unexpected expenses have reduced the funds in my checking account. I still have a chunk in savings but i'd rather not dip into that unless absolutely necessary. So the extra check is going to be a buffer in my checking account.

dougules

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #40 on: September 14, 2016, 10:35:06 AM »
Make It Rain!

Sweet.  We're in a drought here. 

PencilThinStash

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #41 on: September 14, 2016, 10:56:31 AM »
July was my 3 paycheck month. New to the job, and didn't have enough PTO built up yet to cover the vacation I'd planned for that month (slipped my mind during salary negotiations. Idiot!) so I ended up just taking a week without pay. Small paycheck #3 went to rounding out the little I still needed for expenses that month. What was left over magically happened to be the exact amount to cover an unexpected medical bill.

Didn't get the extra little chunk into savings, but what could have been a very stressful financial month rolled by with hardly a bump in the road.

The timing was almost creepy... to quote the great David Bowie: "Somebody up there likes me!"

Need2Save

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #42 on: September 21, 2016, 05:00:48 PM »
Yes, September is extra check month for us, too!  Both of us.  That's 2 extra paychecks.  Ours will be going to:

$1,500 College Savings
$3,000 Post Tax Investments
$500 Charity Donations
$500 Vacation savings fund
Roughly $500-$750 to be decided.

If anyone is interested, we have a posting about just this thing. See our link. 
  http://need2save.com/2016/09/extra-paycheck/

10dollarsatatime

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #43 on: September 22, 2016, 01:46:56 PM »
I will hardly notice it...

I don't budget by the month.  I have always budgeted by the paycheck.  Every other Thursday, I pop open my budgeting spreadsheet.  I drop in the utility/insurance payments that will be happening in the next two weeks, and I pay off my credit cards from the previous two weeks.  I move any extra to my savings account.  If the savings amount has been steady for a few months, I will consider upping my 457 contributions.  A set amount automatically transfers to the bank account I use specifically for the mortgage.  All this done, I can then see what my spending money for the pay period is.  It goes up and down a few bucks depending on where the utilities/insurance payments land.  The only truly noticeable thing for me will be the mortgage account having half a mortgage payment extra in it.  When I think about it, I'll move it into the house repair savings account so it's there when my 20 year old water heater finally gives up.

Warlord1986

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #44 on: September 22, 2016, 02:42:37 PM »
I'm working off-site in India this month, so rather than saving it (which I should do) I'm going to use most of it to see/do cool stuff when I'm here -- Taj Mahal, Golden Temple, etc. *shrug* I'll have another 3 paycheck month next year, but who knows when I'll be in India again?

I agree with this sentiment. Post pictures!

marty998

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #45 on: September 22, 2016, 03:20:27 PM »
I am still debating what to do with mine...

It will be rather large as it contains my bonus, plus a backdated pay rise... all up it's the equivalent of 11.5 weeks of "normal" pay.

Either I can throw it at investments, which is wholly undesirable right now because I'll be paying 39% tax on earnings, or I can use it to pay down my current investment property debt total which stands at $770,000 (ave interest rate 4.52%).

For several months now I simply just thought I would purchase more investments but... with less than a week to go I'm suddenly seriously considering the debt payoff.

sisto

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #46 on: September 22, 2016, 03:23:11 PM »
I keep seeing this post and getting jealous that I don't have and extra paycheck this month. While I enjoy a nice salary, sometimes it's not so great being exempt. I remember I actually lost money when I first went from non-exempt to exempt due to no longer getting OT. If I were to have an extra paycheck this month it would go to VTSAX.

RedmondStash

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #47 on: September 22, 2016, 05:41:54 PM »
Buy a fancypants new Cadillac, a yacht, and maybe a mansion.

Nah, I'll do the same thing I do with every paycheck: pay bills, put some in savings, invest the rest according to our AA, and spend feverish hours calculating when we can retire. The "extra" thing doesn't make sense to me. More power to those it helps, though.

ostornadoe1

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #48 on: September 22, 2016, 09:03:26 PM »
Won't even really notice it. Goes into the checking account and then will most likely end up going into my brokerage account a few days later.

I agree with Redmond that the "extra" thing doesn't make sense to me. The "extra" paycheck just seems like an excuse to spend more money.

marty998

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Re: What are you going to do with your 3rd paycheck in September?
« Reply #49 on: September 23, 2016, 02:31:35 AM »
Won't even really notice it. Goes into the checking account and then will most likely end up going into my brokerage account a few days later.

I agree with Redmond that the "extra" thing doesn't make sense to me. The "extra" paycheck just seems like an excuse to spend more money.

Mmm yeah... It's not really extra, but most people do their net worth calcs on a monthly cycle... so it does appear like your income spikes 50% but intuitively most people know it's not true.

 

Wow, a phone plan for fifteen bucks!