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Ep. 193: Back to Basics – Managing Inconsistent Income
In this episode of Your Money Your Life, we dive into the essentials of effective budgeting, especially if you have an inconsistent income. I’ll share insights from my personal experience to show how the right budgeting system can handle financial rollercoasters.
We’ll explore a percentage-based budgeting system that adapts to your unique financial situation and priorities. If budgeting feels daunting or you’ve struggled with it before, don’t worry—we’ll tackle those feelings and find ways to make budgeting work for you. Plus, I’ll discuss how you can work with me to overcome financial shame and guilt to achieve your unstoppable life.
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Resources:
- Work With Aimee – https://workwithaimee.com
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Podcast Key Points
1:04 – 3 Key Areas That Your Budget Should Excel At
1:25 – Budget Handles the Stress
1:59 – Budgeting For Your Priorities No Cookie Cutter System
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Introduction to Our Series
Today we are in a Back to basics series. Over the next few weeks, we’ll talk through the foundational pieces that make a. Massive difference in your finances. This short and sweet series I’m pulling out of the vault will help you solidify your finances and open the door to quickly see massive growth. So let’s get to it.
Handling Inconsistent Income
If you have inconsistent income, the thought of budgeting feels hard because things are always changing. There’s no consistency, right? My husband, for the longest time he’s a truck driver and he was paid by the mile. So there was lots of fluctuation. You know, seasons change, availability, just all the different things.
Key Areas for a Budget
But the right budgeting system handles the roller coasters of inconsistent income for you. Your budget should function in three key areas or it should excel and should be able to handle those three key areas. Okay, so the first of those is it should be able to handle inconsistent income. It should also be able to scale with you as your income does. And lastly, this is really important.
Make Budgeting Stress-Free
It needs to be able to handle the stress because it’s a system that doesn’t take a ton of your time because your time is valuable. And even though I love numbers, I don’t want to spend all my time budgeting. So I know that you might not be a numbers person, but I’m betting you have better things to do than just to sit there and look at a budget spreadsheet all day.
Customizable Budgeting System
The budgeting system that I created is based off of percentage based budgeting. I love it because it covers all three areas and it allows you to customize to fit what your priorities like actually are and things that you’re actually dealing with in your life. It’s not a cookie cutter system. So by now you’re probably getting that your budget, what your budget actually needs to be successful and how it needs to be able to handle that inconsistent income for you in a simple manner.
Overcoming Budgeting Challenges
Take that off of your plate. It’s not a problem. But you’re probably thinking, okay, that makes sense. But you know, budgeting feels icky to me or I don’t even want to do it, or that’s a four letter word in our house, or I’ve tried this stuff before and it simply doesn’t work. Don’t worry though, I’ve got you covered.
Seek Help for Financial Challenges
We’re going to talk about how to handle those feelings and what you can do to kind of get around it and work to actually move forward and see the progress that you’re looking for in a way that feels good in the next video. If you’re struggling with shame and guilt around your finances, whether it’s debt, impulse, spending, mistakes from the past, or the fact that you still haven’t hit your income goal, then it’s time for you to work with me. There are different levels of support and price points that you can use on the path to removing that guilt and shame so you can step into your unstoppable life.
Connect for Custom Support
After all, your finances are unique to you, and your support should be too. Go to workwithamy.com to get started with one of my most popular programs, or you can book a Q and A call with me. We’ll figure out what your next step should be. And of course, all those links are hanging out in the show notes as well.
