S4_E10 My income is so variable I can't budget
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S4_E10 My income is so variable I can't budget
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About this listen
Inconsistent income doesn’t mean you’re failing — it means you’re living in the real world.
In this episode, Phoebe shares a story about a friend who couldn’t cover rent and bills after a rough business year, and unpacks what so many freelancers, business owners, contractors, creatives, and commission earners experience: feast-and-famine income is normal.
The solution isn’t shaming yourself or trying to budget like you’re on a salary. It’s building a system that doesn’t panic when income wobbles. You’ll learn how to find your “minimum survival” number, create a cash cushion that calms your nervous system, separate earning from spending, and give every dollar a job so you can stay stable in quiet months and smart in big months.
This is how you stop spiralling, start financially adulting, and build calm, confident control — even when your pay isn’t consistent yet.