192. How to Build a Monthly Money Plan When Your Income Isn't Monthly
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192. How to Build a Monthly Money Plan When Your Income Isn't Monthly
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If your income isn't the same every month, most budgeting advice doesn't work for you - and that can leave you feeling like you just can't plan at all. In this episode, I'm walking through how to build a real, workable money plan even with irregular income: finding your "floor" (your lowest realistic month), building your plan around that number, and deciding in advance where extra money goes when a good month happens. Irregular income doesn't mean no plan. It just means a different kind of plan.
You'll learn:
- Why traditional monthly budgeting breaks down with irregular income
- How to find your income "floor" and why it matters more than your average
- How to build a spending plan that works even in your worst month
- Why deciding where overflow goes in advance changes everything
- How your sinking fund becomes an even bigger safety net with unpredictable income
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