{"id":2829,"date":"2020-07-22T09:40:53","date_gmt":"2020-07-22T13:40:53","guid":{"rendered":"https:\/\/rockonthemoney.com\/?post_type=podcast&#038;p=2829"},"modified":"2020-07-27T09:25:49","modified_gmt":"2020-07-27T13:25:49","slug":"savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes","status":"publish","type":"podcast","link":"https:\/\/netcast.one\/rotm2\/podcast\/savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes\/","title":{"rendered":"SAVVY SAVINGS 15: 3 ways to create a basic budget if you have variable incomes"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"540\" src=\"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/07\/dollars.jpg\" alt=\"\" class=\"wp-image-2831\" srcset=\"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/07\/dollars.jpg 960w, https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/07\/dollars-526x296.jpg 526w, https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/07\/dollars-300x169.jpg 300w, https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/07\/dollars-768x432.jpg 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<p><em>**This post contains affiliate links, and we may be compensated if you make a purchase after clicking on the affiliate and\/or partner links.<\/em><\/p>\n\n\n\n<p>Budgeting can be a daunting task especially if your income varies from month to month. Amanda discusses 3 methods that you can use to make it easier for you to create your budget.<\/p>\n\n\n\n<ul><li>Create your \u201cbare bones\u201d budget&nbsp;<ul><li>Income based off of your lowest month last year<\/li><li>Expenses &#8211; What are your minimum bills each month?<\/li><li>In each case, zero-sum<\/li><\/ul><\/li><li>Best plan &#8211; Put all your pay into a savings account and pay yourself a steady \u201csalary\u201d into your checking account each month.&nbsp; This way you have a predictable, steady income.&nbsp; You can also make this whatever payday schedule works best with your personality &#8211; I pay bills twice a month, for example.<\/li><li>Good plan &#8211; live on last month\u2019s income.&nbsp; Then you\u2019re budgeting off real numbers, not a projection for the month.<\/li><li>Good plan &#8211; When you get paid, give priority to shelter (including essential utilities), food, clothing, transportation and then spread the rest across your other expenses.&nbsp;&nbsp;<ul><li>If your check doesn\u2019t cover everything, that\u2019s ok.&nbsp; Pay what you can (again, make sure your priorities are covered first) and then pick up where you left off on the next check.&nbsp;&nbsp;<\/li><\/ul><\/li><li>If you end up with more money than expenses on any given month, save it for a \u201cdry\u201d month or tackle whichever baby step your on, if applicable.<\/li><\/ul>\n\n\n\n<p><strong>PRACTICE TRADING STOCKS WITH WEBULL \u2013 Get 2 FREE stocks valued up to $1,000 here<\/strong>:&nbsp;<strong><a href=\"https:\/\/act.webull.com\/kol-us\/share.html?hl=en&amp;inviteCode=HvpbX35EsVmn\">https:\/\/act.webull.com\/kol-us\/share.html?hl=en&amp;inviteCode=HvpbX35EsVmn<\/a><\/strong>\\<br><br><strong>TERM LIFE INSURANCE WITH BESTOW \u2013 Fast, Free Quote on affordable online term life insurance. 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Get matched with up to 3 top agents in your area.<br><br><strong>Website:&nbsp;<\/strong><a href=\"https:\/\/netcast.one\/rotm2\/\"><strong>https:\/\/netcast.one\/rotm2\/<\/strong><\/a><br><strong>Subscribe to the podcast \u2013 all links located here:&nbsp;<\/strong><a href=\"https:\/\/linktr.ee\/rocklandusa\"><strong>https:\/\/linktr.ee\/rocklandusa<\/strong><\/a><br><strong>Call us with your questions : 989-888-ROCK (7625)<\/strong><br><strong>Facebook Group:&nbsp;<\/strong><a href=\"https:\/\/www.facebook.com\/groups\/your401k\/\"><strong>https:\/\/www.facebook.com\/groups\/your401k\/<\/strong><\/a><\/p>\n\n\n\n<ul><li><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>**This post contains affiliate links, and we may be compensated if you make a purchase after clicking on the affiliate and\/or partner links. Budgeting can be a daunting task especially if your income varies from month to month. Amanda discusses 3 methods that you can use to make it easier for you to create your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2238,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"episode_type":"audio","audio_file":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/07\/SSWA-EP15.mp3","cover_image":"","cover_image_id":"","duration":"15:26","filesize":"15 MB","date_recorded":"22-07-2020","explicit":"","block":"","itunes_episode_number":"15","itunes_title":"SAVVY SAVINGS 15: 3 ways to create a basic budget if you have variable incomes","itunes_season_number":"","itunes_episode_type":"bonus","filesize_raw":"15400132"},"tags":[119,322,209],"series":[234,235],"coauthors":[284],"episode_featured_image":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/04\/album-SAVVYSAVINGS-600-final.png","episode_player_image":"https:\/\/netcast.one\/rotm2\/wp-content\/uploads\/2020\/04\/album-rockonthemoney1410-10.jpg","download_link":"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-download\/2829\/savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes.mp3","player_link":"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/2829\/savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes.mp3","audio_player":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-2829-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/2829\/savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes.mp3?_=1\" \/><a href=\"https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/2829\/savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes.mp3\">https:\/\/dts.podtrac.com\/redirect.mp3\/netcast.one\/rotm2\/podcast-player\/2829\/savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes.mp3<\/a><\/audio>","episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/netcast.one\/rotm2\/feed\/podcast\/rockonthemoney","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"LteAgM29Ux\"><a href=\"https:\/\/netcast.one\/rotm2\/podcast\/savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes\/\">SAVVY SAVINGS 15: 3 ways to create a basic budget if you have variable incomes<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/netcast.one\/rotm2\/podcast\/savvy-savings-15-3-ways-to-create-a-basic-budget-if-you-have-variable-incomes\/embed\/#?secret=LteAgM29Ux\" width=\"500\" height=\"350\" title=\"&#8220;SAVVY SAVINGS 15: 3 ways to create a basic budget if you have variable incomes&#8221; &#8212; Rock on the Money\" data-secret=\"LteAgM29Ux\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! 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