Budgeting
Budgeting on Irregular Income
Financial stability for freelancers, gig workers & commission earners
3.5 hours11 lessonsBeginner–IntermediateBe the first to review
About This Course
Traditional budgeting advice assumes a steady paycheck — but what if your income varies wildly month to month? This course teaches the 'baseline budget' method, designed specifically for freelancers, gig workers, tipped employees, and commission-based earners. You'll build a financial system that keeps you stable in lean months and strategic in abundant ones.
What You'll Achieve
Build a 'baseline budget' that works even in your lowest-income month
Create a holding account system to smooth out income spikes
Set up a 3-month income buffer fund
Stop the anxiety of not knowing if you can pay your bills
Course Curriculum
1Understanding Your Income Pattern
3 lessons- 1Calculating your true average income
- 2Identifying your income floor
- 3The baseline budget concept
2The Holding Account System
3 lessons- 1Setting up your accounts
- 2The income smoothing formula
- 3Paying yourself a 'salary'
3Building Your Buffer
5 lessons- 1The 3-month buffer goal
- 2Funding your buffer on variable income
- 3When to use your buffer
- 4Rebuilding after a lean season
- 5Tax planning for irregular earners
Course Preview
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