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How Do You Budget With Irregular Income?
Frugal

How Do You Budget With Irregular Income? 

Sometimes it feels like the only thing I write about is budgeting. This is something I am extremely proud of. Budgeting is one of the most valuable disciplines one can master in life, and it can bring balance and peace to so many other aspects of life. Some people, though, struggle to get a solid monthly budget plan because they have no idea when or what they will be paid. Commission workers, small business owners, and independent contractors all have widely varying payment schedules and amounts. This can cause stress when coming up with a monthly budget when there is no real solid “monthly income” figure. No need to fret, though; we are here to help. there are ways to strategize and work around this obstacle, and we have some ideas. So, without further adieu, this is you budget with irregular income.

Cost Deduction Method

The Cost Deduction Method is really a fancy name I am using to flip the roles on traditional budgeting. Where your monthly income is usually the anchor to your budget, cost deduction makes your monthly expenses the new focus. Instead of subtracting figure after figure from your monthly total income, you add up your expenses starting with your needs. The way this works in practice is you mark down the bare necessities, and you dedicate all of the money you make to those until your income surpasses them. After which, you check those off. Then, as the income starts to move past those expenses, you move to the traditional strategy of deducting from income, except you use the difference between the cost of your needs and your total income for that month.

Priority List Method

This one is much simpler. The priority list method involves making a list, in descending order from most important to least important, and marking down their costs next to them. As your income comes in, you start to check things off of that list, and you stick to the order. The great thing about this method is that you organize your priorities when you are in a logical and rational mental space. After doing this, it is pretty much on autopilot. You have already decided how you are going to spend your money, and once you have exhausted the list, everything is extra to be saved! This one is similar to the first in the sense that you are using expenses as your anchor point, which takes the stress out of trying to predict what your monthly income will be.

In Summary

Despite the fact that there are only two options here, I really think there is something for everybody. Budgeting should be simple, and these are two very simple ways to get it done. I’m not going to try to make you do financial gymnastics, as that is really the fear assigned to budgeting in the first place. Just pick a method, and let the tools do the work. This will make your finances feel much less unpredictable, and bring a lot more stability in your life.

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  121. KaplYAda5062174

    ————————————–Cindy had been working at the Harley dealership for about a year and had not only slept with her boss, Louie, but she had also had sex with another coworker, Cliff as well. One of the other guys there, Bob had witnessed a little bit of Cindy’s depravity after a big open house party where she was taken by both Louie and Cliff, one of the bike mechanics. After that party, Bob seemed to hang out around Cindy a lot more and began to pay her a lot more attention. She would come home from work and tell me how he was flirting with her a lot and she thought he…
    https://kaplyada5062174.wordpress.com/

  122. melit7094331

    It was almost like fucking a different girl.”Oh, fuck!” Dani groaned, already halfway to an orgasm. “I always get so horny this time of the month. I’m glad you don’t mind taking care of me when I’m like this…””Your arousal means your body wants to be pregnant,” Jonathan whispered into her ear. “Why don’t you let this one take? I’ve heard of implants and I know how they work.””It’ll take a month for my body to return to normal,” Dani whispered back. “But I think I’d love to have your child…””Does that mean you love me?” Jonathan teased.Dani bit his ear in reply. “Don’t press…
    https://melit7094331.weebly.com/

  123. frisson1625911

    “Show me what you’ve got.” she purred in a slightly smug voice.So proud of herself. At least she was coming out of her shell. Smiling upwards at her, I began by slowly lapping up her slit, testing the waters. At first contact, Molly let out a breath she had seemingly been keeping in and snak down into the couch, clearly already enjoying herself.I pulled my tongue back. “Getting comfy?” I asked her humorously.”Keep going.” she replied with no humor in her voice, eyes closed, her face in that sorrowful expression girls get when you begin the foreplay. Internally chuckling, I resumed,…
    https://frisson1625911.weebly.com/

  124. leg2341134

    “Ah yes,” Kigali agreed, “I know just the one!””Carstairs!” Miss Robinson pleaded, “They are going to rape me!””Rape is illegal,” Kigali reminded the men, “Remember there is a two dollar fine for raping a westerner!””Carstairs!” Miss Robinson pleaded but the men had already piled their rifles into a stack and were gathering round her.We stopped to watch, they circled around her like Hyena hunting a Buffalo until one made a lunge and then another, she fell to the ground with a tribesman at each breast, grasping suckling sucking until her nipples were inches long and two other…
    https://leg2341134.weebly.com/

  125. tommygun4142324

    This was normally a working/drinking man’s tavern and the few females who frequented the establishment tended to favor peroxide and rayon. So I kept my eye on her from the first, getting my mug of Miller from the bartender and slipping off to one side by the jukebox. She was just sipping on what looked like a liquid cocaine and sitting on her stool, wedged in between a mute sailor and a behemoth of a biker with “KC Sons” colors on the back of his oil-spotted denim jacket. They paid her no mind though, too intent on their own imbibitions, so I made note to myself to watch and wait.The…
    https://tommygun4142324.weebly.com/

  126. hypobole8380039

    Monday Jim left at his usual time and she went upstairs to get ready to run errands.At 9:30 her phone rang see a strange number she hesitated but decided to answer. The phone sprang to life with her on her knees sucking cock, it was a short clip followed by a message, be at front door in ten minutes!Sandi was terrified she had no memory of the event, but the video was her sucking cock that was for sure.The door bell rang there stood Rob and Matt, “hello Sandi I’m Rob and he’s Matt” they pushed past her and walked in. “Which way to the den”? Too stunned to say anything she just pointed….
    https://hypobole8380039.weebly.com/

  127. castleclimb5846020

    I lifted it off and put my eye to the hole. Tash’s eye looked back at me. I went back round and told her that I would now leave her to it and told her to keep the door closed. We giggled as I went to leave, but I definitely sensed she was uneasy about the whole thing.”If you decide not to watch, then you can always look the other way”, I said, grinning from ear to ear. We were standing close together and she leaned in to whisper something. “Jackie also played with me when we read her porn”. Obviously she had either guessed, or Jackie had told her about us…
    https://castleclimb5846020.weebly.com/

  128. salamandrine3282846

    ” She then asked if I knew how much the donation was and I replied, “Oh yea,” and she followed by telling me the address, explained it was an apartment building, told me where I should park, and gave me the apartment number, saying she would have to buzz me in. Victoria also asked me to call when I was on my way, and I told her okay expressing my excitement to meet her. She paused briefly and replied, “Me too, see you Friday,” and told me to be sure to call. I said, “Okay,” and we hung up. When Friday came around, I was nervous but excited too, and as I headed out, I gave her a…
    https://salamandrine3282846.weebly.com/

  129. Cryptadia4563169

    Jason is only ten mouths younger than Paul thirty nine, Ted is now thirty seven, Sam is thirty six, Mark is thirty four and Tony the youngest is twenty eight. All his brothers are fit and muscular. Paul’s brothers and his sisters husbands all called me telling me they could come to help me plan Paul’s birthday, their wives couldn’t. I asked them, keeping my fingers crossed, if it would be okay if they came without their wives. They could tell their wives later our plans for Paul’s surprise birthday party.I called my Master Vincent and told him about my plans about Paul’s brothers and…
    https://telegra.ph/From-Lonely-Housewife-to-Perverted-Slut-Chapter-8-re-posted-10-26

  130. rockad2113216

    But I hope you will. You’ve probably seen me before, as our eyes have crossed. Perhaps you even took a second look at me. I certainly took a second look at you. I am writing you this letter, not because I am not man enough to go up to you and talk, but because this is the first impression I want you to have of me. I want you to know right now how much you turn on this stranger you’ve never met.I saw you once, as we crossed paths in the gym. That’s what people do at the gym, I suppose. They gawk at each other, checking out the competition in some cases, eyeing the beautiful bodies passing…
    https://telegra.ph/The-stranger-who-wanted-Her—Part-1-10-26

  131. Belting7090533

    My wife and daughter had just left to meet her sister and children for a girls weekend at the beach. I had looked forward to this weekend for a while making sure I left this weekend open for doing something I enjoy but don’t get to do enough of. Over the past couple years I have found myself enjoying the company of men just as much as I do women but my busy life only allows me play with my new found partners when I can sneak a quickie in when the wife works late or find an excuse to stay out late on weekends. Shortly after getting brave enough to meet strangers in hopes of getting lucky I had…
    https://telegra.ph/Room-Service-Ch-1-10-26

  132. Enthalpy8370334

    “You’re killing me Lilly.” I looked down at myself and blushed, “Sorry, my aunt.” He grabbed my wrist and pulled me back into the bed, pulling the covers back over me, “Yes, I’m well aware of your aunt’s motives.” I smiled and snuggled in noticing the purposeful distance between Damien and I. I sighed and lifted my head on my arm to look at him, “You’re making the Lycan sleep outside?” He snorted, “No, they prefer it out there. You seemed to be having a good time though.” I nodded, “Yeah, they are really funny about certain things.” “For example?” I ignored the…
    https://telegra.ph/Courting-A-Vampire-7-10-26

  133. ZetanChamp7686313

    My torso leaning against his bare skin, there was a warmth radiating all through my body and I wasn’t sure whether that was a physical warmth or an emotional warmth. It felt vulnerable though, way too vulnerable. So I escaped his embrace and sat up straight, shaking my head. ‘Are you going to bottle feed me?’ I asked, part of me hoping he’d say yes, part of me was curious and yearning for that warmth I felt just now, but another part of me was confused, grasping at straws trying to understand. ‘What are we doing, daddy?’ It must have been the confusion that made me call him daddy again, the…
    https://telegra.ph/Court-Ordered-Daddy-10-26

  134. SeowLutose2150652

    Sky’s clit-dick pulsed against mine. I gasped, realizing my daughter had climaxed, too.The incestuous mix of our seed flooded Lupita’s writhing cunt. Her pussy sucked at us while the pleasure slammed through my body. Waves of bliss joined the ecstasy, washing out of my convulsing cunt. I trembled, my nipples brushing Lupita’s.”¡Si!” gasped Lupita. “You two hermafroditas are cumming in me.””Futas!” groaned Sky. “We’re futas!”The MILF just moaned, her cunt going wild around my dick. Her pussy milked me, working out every drop of cum that I had in my ovaries. My orgasm hit that wild peak….
    https://telegra.ph/Futa-Daughters-Naughty-Temptation-10-Futa-Mommy-and-the-Hot-MILF-10-26

  135. Blattoid2972321

    I tell you beg me for it and you softly say “Please give it to me”. I tell you louder and you say “Please let me suck your cock”.On the video screen, some chick is sucking a guy’s dick on a couch. I grab a fist full of your hair and turn your head towards it. “I want you to suck my dick like that depraved little slut on the screen…you got that?” I tell you and you nod obediently. You open your mouth and I shove my cock in as deep as I can. You gag a little bit but you don’t choke. You put your hands up to gain some control but I knock them away and tell you to put them behind your back…
    https://telegra.ph/A-Day-Out-10-26

  136. NuSSa1187459

    When she got near enough and saw the tears running down her friend’s fair cheeks, she thought her heart would beat out of her chest. Dropping to her knees next to Amy’s bed, she pulled the pliant body toward her in a hug. “Amy? Honey, what’s the matter?” She asked frantically. When the tears wouldn’t stop, she simply held her in her arms and rocked her, whispering comforting words into her red tipped ear.Finally, the tears seemed to subside and Amy hiccupped softly. Pulling slightly away, Nick tried to capture her gaze. “Amy? What’s wrong, sweetie?”At the loving look she received after her…
    https://telegra.ph/Roommates-10-26

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