Distribute income more evenly?

Is there a way to distribute income as earned and not as received? Twice per year I receive an "extra" paycheck because of how my pay periods fall on the calendar. This makes those months outliers on my Net Income report. The same thing happens when I get my tax return. It really skews the charts. Aside from hiding these transactions completely, can I account for them in a more accurate way?

I set aside money in my budget for big periodic expenses (like car insurance) but do not know how to do the same for income.

Part of the reason I use Mint is to encourage myself to save. When I see a huge green bar three months of every twelve, I find it hard to talk myself down from unnecessary purchases.


First, if possible, you should adjust your W-4 such that the right amount is taken out of your paychecks for taxes in order to avoid a large tax refund each year.  The goal is to pay in taxes as close to what you actually owe as possible.  Otherwise, you're just letting someone else hold onto your money for most of the year.  This will eliminate one of those "outliers" that tempts you.

I tend to avoid manipulating the data in Mint as much as possible, so I'm going to convince you to not try to distribute your income more evenly.  

If you have a budget set up in Mint, you should budget based on the amount of income you get in a typical month (10 out of 12 months, in your case).  Set your spending budgets up so that you're spending less than that typical income each month.  By the time one of the months rolls around that gives you an extra paycheck, you should be conditioned to spend far less than that amount of income each month.  This will hopefully leave you less tempted to spend the extra money, since you're already used to getting by month-to-month on far less than the income you receive in a month where you get three paychecks.

Rather than changing Mint, it's really about changing your mindset.  Mint is accurately accounting for your income when you're receiving it, so I wouldn't advise manipulating your pay or setting up budgets to include your two extra paychecks since you won't actually achieve that income, most months.  Don't look at that extra paycheck as an opportunity to spend more -- look at it as an opportunity to grow your savings.
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