you dont need money to plan financially
lets say youre getting 5000$ in 2 weeks
you can wait 2 weeks and then plan, or plan now
I strongly suggest bookkeeping software like gnuCash or quicken, basically if you read up or use intuition on the gui, you can set a sum, and test possible transactions and estimate how much of that 5000$ you’ll have in a month, when you get your next 5000$
basically download gnucash and see how much. money you can save or what you can buy with the money you save!
gnucash is a free open source finance software