Master Uneven Income: Budget for Calm, Not Chaos

• Budget based on your 'boring month' (lowest reliable income) for essentials, not an 'average month'.
• Build a financial buffer of 1-3 months' essential expenses to prevent panic during lean periods.
• Implement a 'salary to yourself' system: funnel all income into one account, then pay a fixed monthly amount to your household.
• Separate household running money from 'extra money,' prioritizing buffer, debt, and investments before discretionary spending.
• Plan and review your budget quarterly instead of monthly to identify clearer patterns and reduce reactive decisions.

Why It Matters: Achieve financial calm with irregular income by budgeting for stability, not just tracking expenses.