the next budget period. they also put away little money into their "to future credit" goal so they can use that money to pay the current balance.
next page (4) the third budget period comes around, and the expense look very much like the first budget period (rent, electric, heat all due spending has changed slightly).
here the fact that we only make $20 every two weeks and are spending nearly double that starts to come into play. we choose to start to dip into our "future bills" goal and the "to future credit" to make our ends meet. we also start to reduce our budget items and increase the difference carry 