Irregular/Seasonal/Cyclical Income Budgeting – Part 1

There is a large group of people whose family economy is powered by irregular income.

Real estate agents, hair stylists, commissioned salesmen, and business owners all experience cyclical income.

Folks who live with this type of income often tell me that it is impossible to budget.  They say that they have no idea how much they will make this month, so it makes budgeting impossible.

I say that not only is it possible, but people with irregular income need a budget more than anyone!!!

In this series of posts, I will explain how to budget with irregular income.  Here’s a hint – It’s EZ!!!

Step 1 – Recognize it!

You must recognize that you have irregular income!  If you have ever starved to death during the “off” season, you KNOW what I am talking about!  In order to stop having your life severely impacted by “off” seasons, you must prepare!

Question of the Day:  If your family economy is powered by irregular income, what do you do to prepare for “off” seasons?

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  1. Sandy on July 11, 2012 at 9:46 am

    I am a nurse that gets paid every other week, my husband works as a block layer as you know this can be a seasonal job so every fall we sign up for temporary unemployment that usually ends by March, April for the latest. To date we are still signed up for unemployment. The problem we are facing now is that there is work for him through his employer but his employer is having a lot of trouble being paid for his work! So do I just budget my income and his unemployment income and when he gets a pay check put the amount minus the amount of unemployment he would get if collecting unemployment into our savings and just use that when we need it for our bills and needs? My paycheck pretty much pays the house payment and a few other bills. Desperate for answers because we are swimming with debt and live pay day to pay day with little means left to start paying off the debt. Help!!!

  2. jsangl on July 12, 2012 at 3:36 pm

    Sandy- Joe did a blog series called “Help! I Can’t Pay My Bills” that I think would speak directly to your situation. You can find the link here
    -Rachel Rivers
    responding for
    Joe Sangl

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