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

Mastering A Variable Income: Part 8 – No More Excuses

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Blog Series 8/8

by Todd Curtis

No More Excuses!

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.

You have a variable income. It is a fact.

Stalling, avoiding, ignoring, and/or dragging your feet just means more time feeling out of control and stressed.

You tell yourself that more money or a more regular income will solve your money problems, but until you are in control, you are not in control. More money will not change your situation.

So, it’s time to get pumped up. You can be in total control of your money right now. And all you have to do is follow these four steps:

Step One: Give Every Dollar A Job

Be purposeful about the money you already have (resist the forecast!), assigning it to jobs that are most important. Start with immediate obligations and go from there.

Step Two: Embrace Your True Expenses

Regular expenses are only a portion of what you need to prepare for. Set aside money each month for all of your true expenses, especially when you have a great month on the income side.

Step Three: Roll With The Punches

Change your budget. Life, like your income, is unpredictable. Your values may not change, but your priorities do, whether you like it or not. Change your budget, and you’ll stay in the game.

Step Four: Age Your Money

Actively set money aside for next month’s expenses and, if your income is highly variable, may the next month too. Build yourself a cushion of money and time and sleep better at night.

(Sometimes we call them “Rules” but either way the cycle is the same. And it works.)

Rinse & Repeat

You can repeat this cycle whenever you get paid–just because the rest of the world is confined to predictable weeks and months doesn’t mean you have to.

Do you earn money that comes in a big windfall every couple of months? Super. Do you wait tables and get paid every day? Can-do. Something in between? It doesn’t matter. Keep following the steps, keep budgeting, and you’ll reach your goals.

And enjoy being able to say, “I told you so,” to your mother-in-law who wanted you to give up your dream for a day job.

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 6 – Change...

November 10, 2016 | by Todd Curtis

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

November 17, 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.)


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