– If you have a variable income, budgeting is a slightly different process, but that doesn’t give you a pass!  Still gotta do it.  Start with your expenses, and determine the base-level expenses to pay your bills.  Then make a prioritized list of what you do after that – pay down debt, put money in savings, extra spending money, vacation savings, etc.

– With a variable income, as you have a good month and have extra above standard living expenses, use that prioritized list to guide what you’re going to do with the money.

– It’s wise for everyone to have a prioritized list of what you’d do with extra money.  What would you do with it if I gave you $500 right now?  What’s your number one priority?  Having a plan for surplus or windfall money will keep it from disappearing and you wondering where it went!