The Irregular Income Money Workbook: Budgeting, Taxes and Lean-Month Planning for Gig Workers and Freelancers

Most budgeting advice assumes the same paycheck every two weeks. If you drive for an app, do hair, wait tables, sell on commission, freelance or work seasonal jobs, that advice falls apart fast.

This workbook is built for uneven income. It helps you find your real numbers, pay yourself a steady "salary" from uneven deposits, and stop dreading slow months and tax time.

Inside:

• Find your baseline: your real "low month" number
• The bare-bones budget: your must-pay number
• The Bucket System for turning uneven deposits into a steady salary
• Allocation worksheets so every deposit has a job
• A lean-month buffer and a slow-month action plan
• Self-employment taxes, 1099s and quarterly payments, in plain language
• Special pages for tips, commission and seasonal work
• A monthly money review to stay on track all year

8 modules plus trackers, 34 pages, with an answer key and all math checked. For gig workers, freelancers, tipped and commission workers, seasonal workers and side hustlers.

Created by a social worker (QP) and Certified Peer Support Specialist for Real Life Ready. Instant download. This workbook is educational and isn't tax or financial advice.