How to budget your finances when your income ebbs and flows, is irregular or is unpredictable.

1. NICOLE SARA SIVENS
BUDGETING ON
AN IRREGULAR
INCOME

2. Today's Discussion
WHY SHOULD YOU LISTEN TO
ME?
MONEY MINDSET
WHAT IS MONEY?
YOUR ACTUAL INCOME
HOW-TO
FINAL THOUGHTS

3. Why should you
listen to me?
GREAT QUESTION.
For starters, I'm great with money. I am
not a financial advisor, tax accountant, or
investment broker. I am a Financial
Educator who learned about money the
hard way.
You can read about that HERE.

4. HAVING MONEY ISN’T EVERYTHING,
NOT HAVING IT IS.
MONEY MINDSET
KANYE WEST

5. What is money?
IT IS:
A tool, nothing more
IT IS NOT:
Who you are as a person
How good of a person you are
Indicative of how hard you work

6. IT AIN'T YOUR MONEY 'TILL YOU
MAKE IT; OTHERWISE, IT'S JUST A
CONVERSATION
MONEY MINDSET
MAC MILLER

7. Create a new calendar
where you track your
actual deposits

8. How much are you
really making?
NEW TO THIS?
Look at the past 6 months and use the
lowest month's earnings as your base
NOT SO NEW?
Average out your income over the past
12 months

9. HOW TO DO
THE ACTUAL
BUDGET
THE IMPORTANT PART

10. 4 EASY STEPS
BASELINE
EXPENSES
OTHER
EXPENSES
OPEN
ACCOUNTS
PAY
YOURSELF

11. BASELINE
EXPENSES
FOOD
UTILITIES
SHELTER
FOOD
TRANSPORTATION

12. OTHER
EXPENSES
ANYTHING YOU
BUT BUY
DON'T NEED
ANYWAY

13. OPEN
ACCOUNTS
OH, SH!T FUND
GOALS FUND
DISASTER FUND
EARNINGS

14. PAY
YOURSELF
DEPOSIT EARNINGS
PAY YOUR BILLS
MOVE TO CHECKING
DO YOUR THING

15. NICOLE SARA SIVENS
Debt Pay-off
Budget Consultation
Financial Deep Dive
CLICK HERE!