Variable Income

How I Took a Dream Vacation on a Variable Income

As a freelancer, I don’t have a steady income. Making this trip was a dream come true and paying for it with cash was the icing on the cake.

How YNAB Makes Tax Time Easier for Freelancers

Are you a freelancer who's tired of feeling disorganized at tax time? Use YNAB to easily track your income and organize deductions.

Small Business Budget: See a Real Example

Working on your small business budget but not sure where to start? See a real-life example to help you create your budget.

You Can Take Control!

How to Make the Unknown Less Stressful

Recently lost your job or been furloughed? Here's Part 4 of how to manage your money with reduced stress no matter when you'll get paid again.

How to Make the Money You Have Last Longer

Recently lost your job or been furloughed? Here's Part 5 of how to manage your money with reduced stress no matter when you'll get paid again.

The Dangers of Forecasting Your Money

When you budget only the money you have and ask yourself, “Can I afford this?”, you get a real answer. Yes. No. Not yet.

How to Manage Money if You Don‘t Know When You‘ll Be Paid

Recently lost your job or been furloughed? Here's Part 1 of how to manage your money with reduced stress no matter when you'll get paid again.

Master Your Variable Income in Two Steps

Budgeting is a journey, my friend, and this is the story of how one couple finally figured out how to get a grip on variable income.

Why Budgeting is Perfect for Irregular Pay Cycles

Can you budget with variable income? Yes! In fact, your budget is the key to making sure that you’re never caught empty-handed.

No More Excuses

You can repeat this cycle (YNAB's four rules) whenever you get paid. Keep following the steps, keep budgeting, and you’ll reach your goals.

The Importance of Aging Your Money When Your Income is Unpredictable

The goal is to live off of money that is at least 30 days old. And there are three significant benefits that make this a goal you want to pursue right away.

Change Your Mind, Change Your Budget

If your circumstances or your priorities change, your budget should change too. You didn’t fail or do it wrong. It is supposed to change!

The Dangers of Forecasting on an Irregular Income

When you forecast, or plan with money you don’t have yet, might put you in a worse position than you were before.

How to Manage Money With Irregular Income

Wondering how to budget with irregular income? The highs are high and the lows are low. Gain financial control when money is unpredictable.

How to Make Spending Decisions When Your Income is Unpredictable

Let's talk about pay cycles. And how you can be in total control of your money even if your pay cycle and your budget cycle don’t align.

How To Expect The Unexpected

Budget for all the things. Even if it's just a little bit every month, you're building the habit. Any money saved is better than no money saved.

Planning for Non-Monthly Expenses on an Irregular Income

All those unknowns in your financial life? A lot of them—maybe even most of them—aren’t actually all that unknown after all.