• The Income Stability Toolkit — bonus toolkit
  • My Income Changes Every Month — main guide cover
  • Income Stability Tracker — Excel tracker preview
  • Complete digital bundle for My Income Changes Every Month: The Irregular Income Playbook
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Budget on an Irregular Income

Turn a variable income into a predictable month

Main guide, page 1
Main guide, page 2
Main guide, page 3
Toolkit, page 1
Toolkit, page 2

Some months are fine. Some are frightening. Find your income floor, split every payment the day it lands, set tax aside, and pay yourself the same amount each month whatever the month did. Built for freelancers, contractors, and anyone paid in tips or commission.

You get: the guide, worksheets and an Excel tracker.

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Three files included
  • 01The main guideTells you what to do, in orderPDF · 30 pp
  • 02The Irregular Income ToolkitHelps you make the decisionsPDF
  • 03Irregular Income Control TrackerKeeps the numbers and your progressExcel

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Sound familiar?

You cannot budget a number you do not know yet

Freelance, commission, tips, gigs: the money arrives in lumps and never the same lump twice. Budgeting from a good month leaves you short in a bad one, and a single late invoice turns an ordinary week into an emergency.

The shift

Where you are now, and where you will be

  1. Right now Budgeting from your best month After the guide Budgeting from your floor
  2. Right now A late invoice becomes an emergency After the guide A buffer that covers the late payment
  3. Right now Tax arrives as a shock After the guide Tax set aside before it is spent
  4. Right now Good months disappear without trace After the guide Strong months funding the weak ones

What you get

Three files that work together

The guide tells you what to do. The worksheets help you decide. The tracker keeps the numbers, so you can see the progress.

My Income Changes Every Month — main guide cover
File 1

Tells you what to do, in order

The main guide

A floor you can count on, a split for every payment that arrives, and a personal paycheck that pays you the same amount whatever the month did. With tax set aside before...

  • Why variable income feels so stressful
  • Find your true income range
  • Know your minimum monthly number
  • Build your bare-bones budget
  • and 25 more chapters

PDF · 30 pages

The Income Stability Toolkit — bonus toolkit
Included

Helps you make the decisions

The Irregular Income Toolkit

The calculators and planners that do the arithmetic, so the system runs on paper instead of in your head.

  • Cash-flow calendar
  • Minimum monthly number calculator
  • Variable income split planner
  • Personal paycheck setup sheet
  • Tax bucket tracker
  • Low-income month action plan
  • Invoice and payment tracker
  • Strong-month allocation planner
  • 90-day irregular income stability dashboard
Income Stability Tracker — Excel tracker preview
Included

Keeps the numbers and your progress

Irregular Income Control Tracker

Turns lumpy payments into a steady wage: logs every payment, works out your floor and smooths the month for you.

  • Dashboard with income stability charts
  • Income baseline: floor, average and ceiling
  • Minimum monthly number and bare-bones budget
  • Paycheck smoother: a steady wage from uneven income
  • Buffer and tax buckets
  • Cash-flow calendar with timing gaps
  • Invoice pipeline with due dates
  • Income log by client and platform
  • Sinking funds for irregular income
  • Low-month and strong-month protocols
  • 90-day income stability plan

Chapter by chapter

What is in the guide

Why variable income feels so stressful

Find your true income range

Know your minimum monthly number

Build your bare-bones budget

Stop budgeting from your best month

Create your income floor

Pay yourself a regular paycheck

The variable income split

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Start building your income buffer

Build your cash-flow calendar

Taxes before they surprise you

The strong-month protocol

The low-income month protocol

When payments arrive late

Manage multiple income streams

Sinking funds for irregular income

Irregular income and debt payments

The lean-month meal, transport and spending plan

Monthly cash-flow review

Separate business money from personal money

Build your invoice and payment pipeline

Choose stable bills when income is unstable

Price your work for stable income

Build a slow-season plan

Build a client and platform risk plan

Decide big purchases with variable income

Protect your mental energy during uncertain income

Your 90-day income stability plan

Your next income move

Before you decide

What you will be able to do

  • How to find your true income range, and why the average is the wrong number to plan on
  • Your minimum monthly number: what the month costs when nothing goes well
  • The variable income split: what to do with every payment the moment it lands
  • How to pay yourself a regular paycheck out of an irregular income
  • How to set tax aside before it feels like spendable money
  • Protocols for a strong month and for a lean one, written before you need them

This is for you if

  • You earn from freelance, contract, commission, tips or creator work
  • Your income varies enough that ordinary budgeting never works
  • You want a steady month out of an unsteady income

It is probably not for you if

  • You receive the same salary every month
  • You are looking for business accounting software
  • You need tax advice specific to your country

Pay less for more

This guide is also in a bundle

Same files, more guides, lower price per guide. Every guide keeps its worksheets and Excel tracker.

  • FormatPDF + Excel
  • Guide length30 pages
  • Reading timeabout 45 min
  • LanguageEnglish
  • Edition2026 Edition
  • DeliveryDownload after checkout

After you buy

From checkout to page one in two minutes

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    Pay once

    Card or PayPal at checkout. No account needed, nothing renews.

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    Download straight away

    The link is on your order confirmation page and in your inbox a minute later.

  3. 03

    Open anywhere, keep for good

    The PDFs open on any phone, tablet or computer. The tracker works in Excel, Numbers and Google Sheets.

Before you buy

Questions people ask first

Is anything posted to me?

No. This is a digital download. The cover images are mockups of what the files look like, not an object that arrives.

What do I need to open the tracker?

It is an .xlsx file: Excel, Numbers on a Mac and Google Sheets all open it. The guide and the worksheets are PDFs and open anywhere.

Does this guide get updated?

Guides are revised when something in them stops being accurate. If you own this one, email us with your order number and we send you the current edition at no cost.

What if something goes wrong?

If a file is damaged, a download does not work, or the guide is not what this page described, email us within 14 days and you get your money back in full. Full terms are in the refund policy.

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