My income changes every month
Variable income works best when you plan from a conservative baseline rather than an average.
Steps to work through
- 1Look back at the last six to twelve months and identify your lowest income month.
- 2Build your essential plan on that lower number.
- 3In stronger months, move the difference into a buffer account rather than raising your spending.
- 4Pay essentials in a set order each month so a slow month has a clear sequence.
- 5Revisit the baseline every few months as your work pattern changes.
These are educational organizing steps, not financial, legal or tax advice. For advice specific to your situation, speak with a qualified professional.