{"id":49288,"date":"2021-09-16T13:27:00","date_gmt":"2021-09-16T17:27:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=49288"},"modified":"2021-09-23T12:17:17","modified_gmt":"2021-09-23T16:17:17","slug":"automate-your-finances","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/automate-your-finances\/","title":{"rendered":"How to Automate Your Finances: A Sample System"},"content":{"rendered":"\n<p>Do you struggle to keep on top of your finances? Have you thought about personal finance automation?<\/p>\n\n\n\n<p>Personal finance automation isn\u2019t just convenient\u2014it\u2019s crucial. When you automate your finances, you bypass all the normal human flaws that get in the way of managing your money (like forgetting to pay a bill on time or not feeling motivated to think about investing), allowing your wealth to keep growing in the background while you focus on other things.&nbsp;<\/p>\n\n\n\n<p>In this article, you\u2019ll learn how to link all your accounts, create a system of automatic transfers between them to fund your investment and savings accounts, and schedule everything so that all your bills are paid on time\u2014automatically.&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Automation Works<\/strong><\/h2>\n\n\n\n<p>If you\u2019ve ever tried to stick to a budget or keep track of your bills manually, you\u2019ve probably noticed how hard it is to stay on top of your finances when you have to consciously think about where each dollar goes. It\u2019s too easy to get distracted, bored, or overwhelmed, so we end up making costly mistakes or missing out on lucrative opportunities. <strong>Automation is different: Instead of requiring constant focus, automating your finances allows you to frontload the hard work<\/strong> by spending a few hours setting up your accounts; after that, you get to move on and focus on other things, knowing that your finances are taken care of and your money is growing itself.&nbsp;<\/p>\n\n\n\n<p>In practice, here\u2019s how automation works: You\u2019re going to set up a system of automatic transfers between your checking account, credit cards, bills, savings, and investment accounts. Your checking account will be the central node of this system\u2014once your paycheck lands in that account each month, your system will kick in and initiate transfers from your checking account into all your other accounts based on the percentages you came up with when planning your spending.<\/p>\n\n\n\n<p>To make this more concrete, let\u2019s give an example: If you made $100 today, how much of it would go into each area of your plan for expenditure? For example, your split might go like this: $60 would go to your fixed bills, $10 would go into your investments, another $10 would go into savings, and $20 would be guilt-free spending money. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Sample Transfer System<\/strong><\/h3>\n\n\n\n<p>For a more specific look at how this works, let\u2019s use the author\u2019s friend Michelle\u2019s transfer system as an example. Michelle contributes 5% of her pay to her 401(k) each month, so that money is automatically taken out of her paycheck before she gets paid. Then, her employer sends the remaining 95% of her paycheck to Michelle\u2019s checking account via direct deposit. From there, her system kicks in, initiating a series of automatic transfers from her checking account over the next few days. Here\u2019s how it works:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>First, Michelle\u2019s fixed bills that can\u2019t be paid by credit card are automatically paid out of her checking account. <\/strong>Meanwhile, all her other regular bills (like subscription services and her internet bill) are automatically paid from her credit card. At the end of the month, she\u2019ll look over her credit card bill to catch any errors before that bill is paid in full with an automatic transfer from her checking account. By paying her bills this way, Michelle can rack up credit card rewards and build up her credit without worrying about incurring debt because her card is automatically paid off each month.<\/li><li><strong>Next, 5% of her paycheck is automatically transferred to her Roth IRA account <\/strong>(combined with her 401(k) contribution, she\u2019s investing a total of 10% of her pay each month).<\/li><li><strong>Then, Michelle\u2019s savings account pulls another 5% of her take-home pay.<\/strong> She\u2019s set up this account so that it automatically divides her money between sub-accounts for her savings goals (like a wedding and an emergency fund).&nbsp;<\/li><li><strong>Finally, whatever\u2019s left in Michelle\u2019s checking account after all those automatic transfers go through is her spending money for the month.<\/strong> Michelle can spend this money completely guilt free because she knows that all her bills are already paid and she\u2019s already saved and invested for the future.&nbsp;<\/li><\/ul>\n\n\n\n<p>Because Michelle often uses her credit card for her guilt-free spending, she sets up alerts in a financial software (like You Need a Budget) to alert her if she spends too much in a particular category. She also checks on her account balances once in the middle of the month to make sure she\u2019s not overspending\u2014if she is, she has the rest of the month to get back on track.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Setting Up Your Transfer System<\/strong><\/h3>\n\n\n\n<p>Now that you\u2019ve seen how much easier it is when your finances run themselves, it\u2019s time to set up your own system of transfers. You\u2019ll need to get a few things in order before you dive in. First, you\u2019ll need a list of all your accounts and your login credentials for each of them (to make this easier, Sethi recommends using an online service called LastPass, which securely stores all your account information). Second, if you haven\u2019t set up your 401(k) yet, you\u2019ll need to do that too before you worry about automating. And finally, make sure you\u2019re getting paid through direct deposit if your job allows for it (talk to your human resources representative to set this up). That way, your paycheck will reliably land in your checking account at the same time each month, without you having to manually deposit it.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Linking Your Accounts<\/strong><\/h4>\n\n\n\n<p>Before you can set up automatic transfers, you\u2019ll need to link all your accounts to one another. Generally, you\u2019ll do that by logging into the destination account (so, for example, to link your checking account to your student loan bill, start from your student loan company\u2019s website) and finding the \u201cLink Accounts,\u201d \u201cTransfer,\u201d or \u201cSet Up Payments\u201d option.<strong> Remember, you\u2019re just establishing the links at this point\u2014you\u2019ll come back to set up the actual transfers later. <\/strong>Here\u2019s what you need to do.<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Link your <strong>paycheck<\/strong> to:<ul><li>Your 401(k)<\/li><li>Your checking account via direct deposit<\/li><\/ul><\/li><li>Link your <strong>checking account <\/strong>to:<ul><li>Your savings account<\/li><li>Your credit card<\/li><li>Any bills that can\u2019t be paid by credit card<\/li><li>Your investment account\/Roth IRA<\/li><\/ul><\/li><li>Link your <strong>credit card <\/strong>to:&nbsp;<ul><li>All other bills<\/li><\/ul><\/li><\/ol>\n\n\n\n<p><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/-UdOT0nB65Tti9dLpp_4jbhL35QiSRUyGl0VFiomUrNtste5MhaVWUvg-UQ39QqF8JSAJPBQx7aAMHreEQLibk6VVVM51fOf4whkAig__2rK2NjS61LNq0tj6_BKpxG4q2tjImy0=s0\" width=\"624\" height=\"351.33365019011404\"><br>[image] IWT_moneyflow(2).png<\/p>\n\n\n\n<p>If you have any bills that you can\u2019t pay online (for example, if you rent from an individual landlord and pay by check every month), don\u2019t worry\u2014you can still automate it! Your checking account most likely has a free bill-pay feature, which you can set up so that your bank automatically writes your rent check and mails it to your landlord every month.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Scheduling Automatic Transfers<\/strong><\/h4>\n\n\n\n<p>Now that your accounts are linked, you can set up automatic transfers using your previous plan for expenditure as a guide for how much to divert into your savings and investment accounts each month. Setting up those transfers is simple, but we\u2019re going to take it one step further by scheduling all of them so that they happen within the first week of you getting paid. This makes the whole process much simpler\u2014if you get paid on the first of the month, you\u2019ll know by the seventh of the month that all your bills are paid, your savings and investments are funded, and you can spend the rest of the month spending the leftover money however you want. This also helps you avoid accidentally spending money early in the month that was supposed to pay off a bill that\u2019s due at the end of the month.<\/p>\n\n\n\n<p>The first step to scheduling this system is to get your bills on the same schedule. Luckily, most companies now let you choose which day of the month your bill arrives (to choose a new day, you can call the company or check their website). <strong>To keep things simple, schedule all your bills to arrive on the same day you get paid each month.<\/strong> Here\u2019s how the whole system should look if you get paid on the first of the month.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Day of the month<\/strong><\/td><td><strong>Action<\/strong><\/td><\/tr><tr><td><strong>1<\/strong><\/td><td>Your paycheck is issued (but might not show up in your account yet).&nbsp;All bills arrive.<\/td><\/tr><tr><td><strong>2<\/strong><\/td><td>Your employer automatically sends your 401(k) contribution to your 401(k) account.Your take-home pay shows up in your checking account via direct deposit.&nbsp;<\/td><\/tr><tr><td><strong>5<\/strong><\/td><td>Automatic transfer sent from your checking account to your savings account.Automatic transfer sent from your checking account to your Roth IRA.&nbsp;<\/td><\/tr><tr><td><strong>7<\/strong><\/td><td>Auto-payments sent for all bills (from your credit card or your checking account).Auto-pay your credit card bill (preferably in full) from your checking account.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>You may notice that nothing auto-transfers out of your checking account until the 5th of the month. That gives you a full four days of leeway to make sure your paycheck deposits correctly, which protects you against overdrafts and late fees. Similarly, when you set up auto-pay on your credit card bill, set up an automatic email notification to arrive with your bill each month (you\u2019ll find this option under \u201cNotifications\u201d or \u201cBills\u201d). That way, you can look over the charges and even adjust the amount of your automatic payment if needed (for example, if you\u2019ve accidentally charged more money on your credit card than you have in your checking account).&nbsp;<\/p>\n\n\n\n<p>(Keep in mind: This is how your system should look when you\u2019re able to fully carry out your plan for spending your money. That may not be the case for you right away (for example, if you can\u2019t afford to save a whole 5% of each paycheck, or if you have <a href=\"https:\/\/www.shortform.com\/blog\/national-credit-card-debt\/\">credit card debt<\/a> and can\u2019t pay it in full), but it\u2019s still important to set up this system, even if you\u2019re only transferring $5 into each account. You can always add to that amount later on\u2014in the meantime, you\u2019re building <a href=\"https:\/\/www.shortform.com\/blog\/wealth-building-habits\/\">good financial habits<\/a> and a solid system that will grow with you as your wealth increases.)<\/p>\n\n\n\n<p>As you schedule all the transfers in your system, make sure to leave some money in your checking account to act as a buffer against accidental overdrafts until you know everything is running smoothly. Once you\u2019re confident in your system, you can reallocate that buffer money according to your initial plan for expenditure.&nbsp;<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Alternate Schedule: Biweekly Pay<\/h5>\n\n\n\n<ul class=\"wp-block-list\"><li>The schedule above assumes you get paid once a month. <strong>Here\u2019s what it looks like if you get paid biweekly:<\/strong><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Day of the month<\/strong><\/td><td><strong>Action<\/strong><\/td><\/tr><tr><td><strong>1<\/strong><\/td><td>Your first paycheck of the month is issued (but might not show up in your account yet).&nbsp;All bills arrive.<\/td><\/tr><tr><td><strong>2<\/strong><\/td><td>Your first paycheck shows up in your checking account via direct deposit.&nbsp;<\/td><\/tr><tr><td><strong>7<\/strong><\/td><td>Auto-payments sent for all bills (from your credit card or your checking account). Auto-pay your credit card bill (preferably in full) from your checking account.<\/td><\/tr><tr><td><strong>15<\/strong><\/td><td>Your second paycheck of the month is issued.<\/td><\/tr><tr><td><strong>16<\/strong><\/td><td>Your employer automatically sends your 401(k) contribution to your 401(k) account.Your take-home pay for this paycheck shows up in your checking account via direct deposit.&nbsp;<\/td><\/tr><tr><td><strong>19<\/strong><\/td><td>Automatic transfer sent from your checking account to your savings account.Automatic transfer sent from your checking account to your Roth IRA.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Another way to schedule this system if you get paid twice a month is to save up a buffer of money in your checking account. That way, you can pay your bills and fund your investments and savings all during the first week of the month using a combination of your first paycheck and your savings buffer (you\u2019d then use your second paycheck to rebuild that savings buffer). This technique lets you take advantage of the benefits of the default schedule (like having all your bills and payments taken care of within the first week of the month). If you decide to go this route, make sure to build up your savings buffer a little more than you think you\u2019ll need to protect yourself in case anything goes wrong with your transfer system.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Alternate Schedule: Irregular Income<\/h5>\n\n\n\n<p>What if your income is irregular? For example, if you do freelance work, you might have some months where you make a lot of money and other months where you make none at all. In that case, you can still set up a transfer system; you\u2019ll just need to create a savings buffer first. That way, you\u2019ll be able to simulate a stable income by saving up enough money to <a href=\"https:\/\/www.shortform.com\/blog\/pay-yourself-first-rich-dad-poor-dad\/\">pay yourself<\/a> regularly, even during slow months. Here\u2019s how to create that savings buffer:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>First, figure out the bare minimum amount of money you need every month to survive. <\/strong>Only include the basic necessities, like rent and food\u2014ignore savings, investments, spending money, and any fixed costs you could potentially go without for a few months (like a gym membership). Once you total up that number, multiply it by three to find out how much you\u2019ll need to save up in order to cover yourself for three months of low income (for example, if you need $3,000 to survive each month, you\u2019ll need to save a total of $9,000 for your buffer). If you\u2019re worried that three months may not be enough to cover you, you can double that total to calculate your six-month savings buffer.<\/li><li><strong>Next, set that buffer as a savings goal. <\/strong>This should be your first financial priority, which means you should temporarily divert all the money you\u2019d normally save and invest each month toward this savings goal.&nbsp;<\/li><li><strong>Finally, once you\u2019ve hit your savings goal, you can go back to saving and investing <\/strong>according to your plan for expenditure. However, if your income is irregular, you may want to tweak your plan to increase your monthly savings\u2014that way, if you have to dip into your buffer, you\u2019ll automatically be working toward building that buffer back up.&nbsp;<\/li><\/ul>\n\n\n\n<p>Another thing to keep in mind: If you\u2019re self-employed, your taxes aren\u2019t automatically withheld from your pay, so you\u2019ll have to set aside a portion of your income for taxes each year. Sethi recommends saving 40% of your income for taxes\u2014that may be more than you end up needing, but it\u2019s always better to have money left over than to come up short at tax time. However, self-employment taxes can be tricky, so you\u2019ll definitely want to talk to a tax professional.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you struggle to keep on top of your finances? Have you thought about personal finance automation? Personal finance automation isn\u2019t just convenient\u2014it\u2019s crucial. When you automate your finances, you bypass all the normal human flaws that get in the way of managing your money (like forgetting to pay a bill on time or not feeling motivated to think about investing), allowing your wealth to keep growing in the background while you focus on other things.&nbsp; In this article, you\u2019ll learn how to link all your accounts, create a system of automatic transfers between them to fund your investment and<\/p>\n","protected":false},"author":7,"featured_media":40142,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,31],"tags":[496],"class_list":["post-49288","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-money","tag-i-will-teach-you-to-be-rich","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Automate Your Finances: A Sample System - Shortform Books<\/title>\n<meta name=\"description\" content=\"When you automate your finances, you bypass all the human flaws that get in the way of money management. Here is a sample automation system.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Automate Your Finances: A Sample System\" \/>\n<meta property=\"og:description\" content=\"When you automate your finances, you bypass all the human flaws that get in the way of money management. Here is a sample automation system.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/\" \/>\n<meta property=\"og:site_name\" content=\"Shortform Books\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-16T17:27:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-09-23T16:17:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2021\/06\/track-your-money.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"277\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Darya Sinusoid\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Darya Sinusoid\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/\"},\"author\":{\"name\":\"Darya Sinusoid\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/0421cce75bc249b11e2517b3a91f9c46\"},\"headline\":\"How to Automate Your Finances: A Sample System\",\"datePublished\":\"2021-09-16T17:27:00+00:00\",\"dateModified\":\"2021-09-23T16:17:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/\"},\"wordCount\":2437,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2021\/06\/track-your-money.jpg\",\"keywords\":[\"I Will Teach You to Be Rich\"],\"articleSection\":[\"Lifestyle\",\"Money\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/\",\"name\":\"How to Automate Your Finances: A Sample System - Shortform Books\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/automate-your-finances\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2021\/06\/track-your-money.jpg\",\"datePublished\":\"2021-09-16T17:27:00+00:00\",\"dateModified\":\"2021-09-23T16:17:17+00:00\",\"description\":\"When you automate your finances, you bypass all the human flaws that get in the way of money management. 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