(Oh I see what you mean – I only am counting this as my income for my savings rate this month ($1555/$4830) because the calculations get too confusing when I spread out the cash. So savings rate is based on what actually comes in this month. That $1555 is not allocated to future months. The balance of december’s income is allocated in my future months as spending money, but it’s very possible for those months my savings rate will be nearly negative because my income will be low (I think January’s income was closer to $1200 take home.) is that clear as mud?