If you’re currently unemployed or simply not making enough and planning to drive Uber full-time, you may be wondering how you’ll adjust to your new income and be able to comfortably pay all of your bills.

Or if you’re already driving Uber full-time maybe you’re not quite reaching your goals as quickly or easily as you’d like, or maybe you’re not getting as much out of your full-time income as you thought you would.

In either case, I wanted to share some of the budgeting and money saving practices that have helped me pay off debt, save money every month, and pay my bills comfortably.

When I first started driving Uber full-time I was coming from a place of struggling A LOT financially (you can read more about that here). So I’ll be sharing a firsthand account of what it’s like to go from very inconsistent income as well as little to no money at all to finally having enough money to fund my life. And I’ll be detailing it all by taking a deep dive into personal finances in this 2-part series.

In Part 1 we are going to discuss Budgeting and Bills below. In Part 2 we discuss Saving Money here.

The first thing to note when it comes to managing your Uber income is that you can get paid in two different ways. They have what’s called “Instant Pay” where you can choose to get paid instantly, meaning you drive and make a certain amount of money in one day and you can “cash out” that money and get paid the exact same day (depending on your bank and how quickly they process it).

The second way you can get paid is to wait for your weekly payout, which means however much you made in the span of 7 days gets automatically deposited into your checking account every Wednesday. My money management practices are based on the weekly payout. I prefer to get the lump sum of money each week, that way I can do multiple things with my money at once and all throughout the week.

**2 Important Things to Note Before Reading Further**

(1) These are relatively basic money management concepts about paying bills and budgeting. I’m not promising innovative or groundbreaking strategies here, although you may be introduced to some concepts or practices that you hadn’t previously thought of or considered.

I simply wanted to spell out some of these basic concepts from my perspective in case they could help someone who needs it. I personally needed to wrap my head around this new schedule of getting paid weekly when I first started making my new Uber income and then sit down and get myself organized. So I thought this might help someone who could benefit from the same thing.

(2) Due to my passion to inspire and my innate desire to teach, I have selflessly chosen to share incredibly personal financial information in an effort to give you a clear picture of what this process looks like so you can more fully comprehend and implement it. Along with each step listed below, I’ve shared pictures of the actual lists and calendar reminders of some of my bills and how much I pay towards them.

Please be aware that in the lists pictured below these are NOT all of my bills. I’ve shown a snapshot of some of my smaller bills for example purposes only. And as of 2018 many of those bills have been paid off and others have been added to my current list of bills. So please refrain from judging how much you think I pay (or paid) in bills monthly. This is all in an attempt to give you information and examples to help you with your own finances, not a chance to see what’s going on with me to compare and judge.

Now, let’s get into the good stuff…

How to Pay Monthly Bills

On a Weekly Schedule

Step #1:

The first thing I did when I realized I’d be getting paid weekly was to sit down with my calendar and determine when all of my bills were due. I wrote down a list of all my bills, the amount that needed to be paid, and their due dates.

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Step #2-a:

Then I looked at my calendar and scheduled each bill to be paid the week before it was actually due. I did this because I knew I got paid on Wednesday of each week, but as you probably already know, the date of each 1st, 2nd, 3rd, 4th, and sometimes 5th Wednesday changes each month. So to ensure that my bills were always paid on time, no matter how the dates changed each month, I scheduled each bill to be paid a week earlier than it was due.

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Step #2-b:

Also during this process, I determined I would increase what I was paying each month on the credit cards I wanted to pay off asap. Before driving for Uber I was only paying the minimum because that’s what I could afford. But now that I knew how much I could make each week and month, I decided to double what I was paying so I could quickly pay off my credit cards. So instead of just writing down what was due on those credit cards, I wrote down what I wanted to pay. (More on those paid off credit cards here and here.)

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Step #2-c:

I also included bills that came out automatically. I wrote the amount of those bills along with the dates they came out so they could be added to the weekly budget described in Step #3.

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Step #3:

After I had my completed list of bills, I went back through the bills based on the dates they were being paid and put either a 1, 2, 3, or 4 next to them, classifying which bills were being paid on which week of the month. Ex: Bill being paid on the 12th of the month had a “2” next to it because it was being paid in the second week of the month. Bill being paid on the 5th of the month had a “1” next to it because it was being paid in the first week of the month, and so on.

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Step #4:

Then based on the numbers I had next to each bill in Step #3, I created a new list where I added up how much I would be paying in bills each week. This helped me see exactly how much of my weekly income was going towards bills, so when I got paid I had a good idea of how much money I’d have left over after my bills were paid.

(Click on pic to enlarge ->)

Step #5-a:

Now that I knew which bills would be paid each week and how much money I’d be spending on bills each week, the next step was to create reminders for myself of when to pay each bill and how much to pay. That meant plugging this info into my digital calendar.

I use Google Calendar, and one of my favorite functions is the ability to create what they call an “event” and schedule it to repeat Monthly on the first, second, third, or fourth Wednesday of the month. (I’m sure this can be done on any digital calendar.)

So, for instance, based on the lists created in the previous steps let’s say you have 2 bills that need to be paid in the first week of the month. When you’re in your Google Calendar (if that’s the digital calendar you choose to use) you can click on the first Wednesday of the month you’re currently in, create an event that says “Pay bill #1 $25, and Pay bill #2 $50”, then select “More Options”.

On the next screen, you’ll see that the default selection under the date range says “Does Not Repeat”, you’ll want to click on that so that you can customize it.

From the drop down menu you’ll select “Monthly on the first Wednesday”. It will automatically say “first”, “second”, “third” or “fourth Wednesday” in the given options depending on whichever date/week you originally selected to create this “event” reminder. So if you selected a Tuesday in the second week of the month instead, “Monthly on the second Tuesday” would automatically be listed in the dropdown menu.

Make sure you click the save button when you finish. When you go back to your full calendar and click on the reminder you’ve created, you’ll be able to see what bills need to be paid that day/week and how much they are.

Step #5-b:

I also added reminders/”events” for my bills that came out automatically so I could see on the calendar which week those would fall on along with the other bills I was planning to pay that week. This helped me budget for them every week instead of having unexpected money come out.

To do this, repeat the first part of Step #5-a by clicking on the day of the month that your automatic bill comes out, fill in the info of what bill comes out automatically and how much it is, then select “More Options”, and on the next page click on “Does Not Repeat” to reveal the drop-down menu. This time you’ll want to select “Custom” from the drop-down menu.

Then, the first thing you’ll want to change is next to “Repeat every”, you would leave the default number at 1 but change “week” to “month”. Next, the day of the month you selected to create this “event” will automatically show up as the “Monthly on day __” option, so you shouldn’t have to change anything there. If it’s an ongoing bill, you would then select that it ends “Never”. And even if it’s a bill that comes out automatically until it’s paid off but you don’t know when it will actually be paid off, you can still select “Never” and just delete or change it when you need to. Otherwise, you can put the necessary date or number of occurences for when it’s supposed to end.

And again, make sure you click the “Done” button for the custom options and then the “Save” button for your event. And when you go back to your full calendar and click on the “event” you just created, you should see your automatic bill, how much it will be, and the day it automatically comes out every month.

Step #5-c:

While you’re setting up your “events”/reminders be sure to include an email reminder. This will help ensure that you’ll not only get a notification on your phone and even on your computer if you’re on it at the time the reminder goes off, but you’ll also get an email with the same information as a follow-up.

This is very helpful for me because sometimes I pay my bills before I leave out at 6-6:30am. But sometimes I don’t have time for that and I’ll pay my bills later in the day when I get off. In that case, I have my reminder waiting for me in my email inbox.

If you’re anything like me, this is especially useful because I tend to pay more attention to emails over any other type of reminder. I typically check my emails after I get off and that way I can see it as a reminder listed with my other emails when I have the time to deal with it vs. getting a notification on my phone while I’m busy that I can quickly dismiss and forget.

SN: It’s also just a good practice to have my bills in my calendar because regardless of the email reminder or phone notification, the day I get paid I can just pull up the calendar at any time and see the “event” I have in there and pay my bills that way (covering all basis to ensure I pay my bills on time).

To set up your email reminder: After you click on the day you’re paying your bill (or the day it comes out automatically) and fill in the necessary information and click on “More options” as displayed in Step #5-a above, on the next page you’ll see that “All Day” is automatically checked as a default. You’ll want to click on that box to UNCHECK that option so that the box is clear.

When that box is clear, you’ll see that the date range will change to give you time options for how long this “event” is to last. Here you can just choose whatever time you want your reminder to be sent.

You can also choose to have the email reminder sent to you however many minutes, hours, days, or weeks in advance, in addition to creating as many reminders as you need, even for the same day. You could simply leave the default options as they are to have your reminder sent only 10 minutes prior to the time you selected above, or you can adjust it as you see fit.



When you get your final lists written out, you may notice that some weeks are a bit heavier with bills than others because of how they end up falling on the calendar. To remedy this you can schedule some bills even earlier than one week ahead to balance out your weeks so they all have relatively the same amount in bills coming out.

Or you could even choose to give yourself a lighter week than others so you can have a bit of a break from paying bills every single week. (Extra bonus tip: Any month that has a 5th week usually creates a natural break in paying bills as well!)

It’s your money and your bills. Move things around so they suit you, as long as the bills are being paid BEFORE they are due. 🙂 We always want to be sure to pay our bills on time, even when we give ourselves a bit of freedom and balance! 🙂

This may seem like a lot at first glance, but it really isn’t. It’s just a simple sit down to do some organizing and planning so you can get a clear picture of how much money has to go out each week and month towards necessary bills and how much you’ll have left over. It’s good to be aware of this so you can budget accordingly, be prepared, and feel freer with your money once it comes in.

Check out Part 2 where we dive into money-saving practices so you can reach your goals faster with some of the money you have left over after paying your bills!

Share Your Thoughts in the Comments Below:

What do you think of my method of organizing my monthly bills and weekly income?

Did you learn any new concepts or practices?

How do you organize your bills and budget?

Did any questions arise as you were reading? Did you feel that there were any steps or information left out or hard to understand?