Budgeting When Your Income Changes Every Month

Budgeting for Beginners with Fexingo: Cash Envelopes, Apps, and Simple Money Tracking · May 23, 2026 · 11m · transcript

Lucas and Luna tackle a challenge many beginners face: how to budget when your income isn't the same from month to month. They break down the 'zero-sum' approach using a concrete example—a freelance graphic designer earning between $3,000 and $5,000 monthly—and compare that with the more flexible '50-30-20 with a buffer' method. Lucas explains why most budgeting apps fail irregular earners and introduces two simple rules: the 70% rule and the sinking fund strategy. Luna pushes back on the idea that variable income means you can't budget at all, sharing her own…