How to Budget When Your Income Changes Every Month

Budgeting for Beginners with Fexingo: Cash Envelopes, Apps, and Simple Money Tracking · Jun 20, 2026 · 11m · transcript

Lucas and Luna tackle one of the trickiest budgeting challenges: variable income. Whether you're a freelancer, gig worker, or commission-based employee, your monthly paycheck can swing wildly. In this episode, Lucas breaks down the 'base-expense floor' method — a practical system that lets you cover essentials first, then allocate surplus strategically. He walks through a concrete example: a freelance graphic designer earning anywhere from $3,000 to $8,000 per month. Luna pushes back on whether this approach feels too restrictive, and Lucas explains why a 'lowest-month…