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How to Budget for an Irregular Income as a Gig Worker
Episode 106 of Budgeting for Beginners tackles a common pain point: how to budget when your paycheck isn't the same every two weeks. Lucas and Luna walk through a specific strategy used by freelance graphic designer Maria Torres, who earned between $2,000 and $6,000 per month in 2025. They explain the 'base-income envelope' method: identify your lowest-earning month from the past six months, cover essential envelopes with that number, and treat every dollar above it as surplus. They also discuss how to handle months where income falls below the base, and when to adjust the base…
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