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Irregular income budget

A baseline month you can always cover, a rule for when there's extra and one for a slow month, irregular bills ninety days ahead, tax set aside by the quarter, every payment logged, and each half of the month budgeted on its own.

Freelance, gig and tipped work, or any pay that changes month to month.

Order as is goes straight to the order form, where you choose the days, binding and address and see the price before you pay. Change it first opens the whole book in the editor. No account needed for either.

Front pages

A baseline month, a rule for when there's extra and one for a slow month, sinking funds, irregular bills ninety days ahead, subscriptions, tax set aside by the quarter, and bars for the buffer and debt.

  • Baseline Month (table)A table headed Baseline Month, with columns for must pay and amount, added up at the bottom.
  • When There's Extra (note box)A box headed When There's Extra, ruled with lines, to write in.
  • Sinking FundsSave a little each month toward costs you know are coming, such as car repairs, gifts or a yearly bill. Each fund has a goal, a monthly amount and what you have saved so far.
  • Buffer, Weeks Covered (Savings Goal)A bar from nothing to your goal, marked in tenths, to fill in as the savings grow.
  • Debt PayoffA bar from what you owe to paid off, marked in tenths, to fill in with each payment.
  • Money Goals (note box)A box headed Money Goals, ruled with lines, to write in.
  • Irregular Bills, Next 90 Days (table)A table headed Irregular Bills, Next 90 Days, with columns for bill, due, amount and saved.
  • Subscription AuditEvery subscription with its cost and renewal date, and whether it is worth keeping.
  • Tax Set-Aside (table)A table headed Tax Set-Aside, with columns for quarter, set aside and paid.
  • When It's a Slow Month (note box)A box headed When It's a Slow Month, ruled with lines, to write in.

Every month

Lined days for paydays and bills, the month against your baseline, what came in by week, what you're owed, the bills by half month, what to set aside, the buffer, and a month review.

  • Against the Baseline (questions)Against the Baseline: baseline, came in, over or under and extra went to, with lines to answer.
  • Set Aside (note box)A box headed Set Aside, ruled with lines, to write in.
  • Month Wins (note box)A box headed Month Wins, ruled with lines, to write in.
  • Came In, by Week (table)A table headed Came In, by Week, with columns for week, came in, set aside and spent, added up at the bottom.
  • Owed to Me (table)A table headed Owed to Me, with columns for who, for, amount and paid.
  • 1st to 15th (Paycheck Budget)Plan each paycheck on its own: the bills it has to cover, when each is due, and what is left once they are paid. Useful when you are paid weekly or every two weeks.
  • 16th to End (Paycheck Budget)Plan each paycheck on its own: the bills it has to cover, when each is due, and what is left once they are paid. Useful when you are paid weekly or every two weeks.
  • Month Review (note box)A box headed Month Review, ruled with lines, to write in.
  • Buffer, Weeks Covered (Savings Goal)A bar from nothing to your goal, marked in tenths, to fill in as the savings grow.
  • Next Month (note box)A box headed Next Month, ruled with lines, to write in.

Every week

What is safe to spend, worked out, bills due, groceries, every purchase, what came in, and the week ahead.

  • Safe to Spend (questions)Safe to Spend: in the bank, bills before next pay, set aside and safe to spend, with lines to answer.
  • Bills Due (note box)A box headed Bills Due, ruled with lines, to write in.
  • Grocery ListA checklist for the week's shopping. Write it from your meal plan and tick things off in the store.
  • Spending LogEvery purchase with its date, category and cost, totaled at the bottom.
  • Income LogLog money as it comes in, where it came from and how much you set aside for tax, added up at the bottom. Made for pay that changes from month to month, such as freelance, gig or tipped work.
  • Week Ahead (questions)Week Ahead: pay I expect and one money job, with lines to answer.

The whole book, laid out.

Every page dated and ready to print at home or as a bound book. Move, resize or take out anything, and Memari lays out every page after.