Create a budgeting guide specifically for freelancers and those with variable income.
Write a comprehensive budgeting guide for people with irregular income. Cover: 1) The baseline budget concept (minimum needed to survive). 2) Prioritizing expenses when income varies. 3) Building a larger emergency fund buffer. 4) Income smoothing strategies. 5) The 'pay yourself a salary' method. 6) Managing feast and famine cycles. 7) Quarterly and annual budgeting vs monthly. 8) Tax planning for variable income (quarterly estimates). 9) Tools and apps designed for irregular income. Include sample budgets for $3K, $5K, and $10K income months.
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