Use this when your pay is different every month. It builds a budget on a low month, decides what to do with the extra in good months and shows how to pay yourself a steady amount.
Help me budget when my income changes from month to month. Income over the last six months: [LIST OF AMOUNTS] Fixed monthly costs: [LIST WITH AMOUNTS] Flexible costs: [LIST] Show me a baseline budget built on my lowest typical month, a plan for what to do with extra in good months and a small buffer rule for bad months. Explain how to pay myself a steady amount. This is general information and not personal financial advice.
Tip: Use rounded numbers and keep account details out of the chat.
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