Menu Back

Learn All Things YNAB

How Much Time Do You Have?

Free For 34-Days, Then $6.99 a Month*

On average, new budgeters save $600 by month two and more than $6,000 the first year! Pretty solid return on investment.

  • 1

    Try YNAB FREE 
for 34 days

  • 2

    Start taking control 
of your money

  • 3

    After your trial, continue for $4.17/month, billed annually at $50

  • Bank Syncing Easily connect all your bank accounts in one place.
  • On the Go Easily budget together, across devices, in real-time!
  • Personal Support Personal support and teaching, 7 days a week.
  • Debt Paydown The tools you need to get debt-free & stay that way.
  • Reporting Bliss Measuring tangible progress leads to more progress.
  • Goal Tracking Set, track, and reach your goals—faster!

Sign up for a free trial today!

No credit card required.


The legal stuff

Agree to the Terms of Service and Privacy Policy to continue.

Start taking control 
of your money today!

Need a budget for your variable income? We, at YNAB, believe it's possible to budget successful no matter when you get paid. | YNAB
10 Nov 2016

Mastering A Variable Income: Part 6 – Change Your Mind, Change Your Budget

Below Read More

Blog Series 6/8

by Todd Curtis

Change Your Mind, Change Your Budget!

We can’t change the fact that you don’t know exactly when or how much you will get paid, but we can teach you to be in total control of your money, and stop stressing about it! This 9-part series will teach you exactly how to budget successfully and get ahead, variable income and all.

Hopefully, you’re all caught up (if not, see above!) because we’re diving right into the next variable income lesson, and it’s a good one. In fact, it might be your fast favorite because it’s probably something you’ve already mastered: changing your mind.

How Easy Is That?

For anyone trying to be smart with their money and live on a budget, it’s important to think critically about what you can afford and be realistic in planning for the inevitable, but unexpected. If you have a variable income, it is even more important. But even if you do it perfectly, and faithfully, and consistently—things change.

You get an opportunity you didn’t see coming. You decide to pivot and redirect your focus. The market takes a turn for the worse, and you have to hustle like never before. You lose a big client or land a big client—whatever—and you roll with it.

You adjust. You get creative. You change course. This is something you already do. And now, you have the freedom—the directive—to do it with your budget as well.

Roll With The Punches

We mean you don’t fight the fact that things are changing, or waste time feeling bad about it. The circumstances or information or even simply your priorities changed, and so your budget should change, too.

If you are offered a bigger job than you can handle on your own, you’ll have to hire an assistant, which wasn’t in the budget. Should you turn down the job? No way!

Should you give up budgeting? Of course not!

Change Is The Only Constant

So, what should you do? Change your budget. Re-prioritize. Hiring an assistant might mean delaying something else—a purchase, an experience, an investment—but nailing this big job has suddenly become much more important, more urgent, a clear priority. You move some money around and feel great that you are in control of your money.

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!

Rolling with the punches gives you breathing room—breathing room that you need to make budgeting something you can and will stick with for the long-term. Adjustments and changes won’t feel like disasters or impending doom. They’ll feel, well, normal. Because that’s just what they are. No guilt necessary.

Say Goodbye to Crazytown: Mastering Your Variable Income Once & For All Series

Mastering A Variable Income: Part 1 – You Can...

September 29, 2016 | by Todd Curtis

Mastering A Variable Income: Part 2 – How To...

October 6, 2016 | by Todd Curtis

Mastering A Variable Income: Part 4 – Embrace...

October 20, 2016 | by Todd Curtis

Mastering A Variable Income: Part 5 – Learn To...

November 4, 2016 | by Todd Curtis

Mastering A Variable Income: Part 7 – The...

November 17, 2016 | by Todd Curtis

Mastering A Variable Income: Part 8 – No More...

December 1, 2016 | by Todd Curtis

Your Next Step

Remember, budgeting is not restrictive. You won’t be spending less, you’ll be spending right. You can do this! Today. Right now. What do you have to lose? Except all that debt and stress. (Ok, so kind of a lot.)


We send one email a week summarizing all the best budgeting reads.

No thanks


Follow YNAB to get support and lots of great ideas on budgeting