A Practical Guide to Budgeting for Irregular Income

January 7, 2026

When your income swings up and down each month, standard budgeting advice can feel like it was written for a different planet. The key to getting a handle on things isn’t about guessing what you’ll earn next month. Instead, it’s about creating a rock-solid plan based on your absolute essentials. This means building what I call a ‘bare-bones’ budget. You figure out the bare minimum you need to get by and base your entire financial plan on that number. ...