EP. 77 Budgeting Tips For Inconsistent Income

02/13/20 • 35 min

If your income is irregular, whether you’re self-employed or work on commission, you know what a struggle budgeting can be.

In this episode, I’m sharing my budgeting advice for anyone who has an inconsistent income. I’ll walk you through how to set up a family budget that will actually work, I’ll answer some frequently asked questions, and give you some encouragement for getting your money organized.

IN THIS EPISODE, SAMI SHARES ABOUT:

How to deal with fluctuating income
Encouragement for getting your money organized
How to find your grace period
Looking for a pattern in your income
How to set up a family budget that will actually work
Tips for getting a month ahead, setting up an emergency fund, and how to budget with the smallest income in mind
Why becoming debt-free and having a savings account is even more important for you than the average family

RESOURCES MENTIONED:

[Sami’s Worksheets] Digital Budgeting System
[Sami’s Budgeting Course] Your Sunny Money Method
[Freebie] Declutter Your Budget Challenge
Podcast Home Page
Leave a Podcast Review

I'D LOVE TO HEAR FROM YOU...

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HEY I'M SAMI WOMACK

I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind A Sunny Side Up Life.

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

Now that my family has become debt free + gained financial freedom, I want to help your family do the same! My passion is inspiring women to live abundant lives through budgeting, intentional living, and positive thinking.

I offer a jump start into budgeting with my free 8-day Declutter Your Budget Challenge + full budgeting experience with my course, Your Sunny Money Method.

If your income is irregular, whether you’re self-employed or work on commission, you know what a struggle budgeting can be.

IN THIS EPISODE, SAMI SHARES ABOUT:

How to deal with fluctuating income
Encouragement for getting your money organized
How to find your grace period
Looking for a pattern in your income
How to set up a family budget that will actually work
Tips for getting a month ahead, setting up an emergency fund, and how to budget with the smallest income in mind
Why becoming debt-free and having a savings account is even more important for you than the average family

RESOURCES MENTIONED:

[Sami’s Worksheets] Digital Budgeting System
[Sami’s Budgeting Course] Your Sunny Money Method
[Freebie] Declutter Your Budget Challenge
Podcast Home Page
Leave a Podcast Review

I'D LOVE TO HEAR FROM YOU...

Reviews are everything on iTunes! Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram.

HEY I'M SAMI WOMACK

I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind A Sunny Side Up Life.

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

I offer a jump start into budgeting with my free 8-day Declutter Your Budget Challenge + full budgeting experience with my course, Your Sunny Money Method.

Previous Episode

EP: 76 Raising Funds For Adoption with guest Heather Marshall

What if your heart is for adoption, but your budget is not?

Heather Marshall and her husband were in the same boat about 10 years ago, but now they are the proud parents of two beautiful adopted children. Now Heather encourages other to-be-adoptive parents that money shouldn’t have to hold you back from the dream of growing your family.

In this episode, she breaks down all of the different types of adoption, what kinds of costs you can expect to pay, and all of the ways to get help if you can’t fund the adoption alone. She also passes along encouragement to other women who have their own passion project calling their name.

IN THIS EPISODE, SAMI + HEATHER CHAT ABOUT:

How her heart changed from not wanting kids to adopting two
The role that money played in her adoption journey
How much adoption really costs
The various ways to fund an adoption
Various types of adoption (private agency, international adoption, independent, foster care, and special needs.)
Open vs. Closed adoption
Advice for future adoptive parents
Words of encouragement for women wanting to pursue their dreams.

RESOURCES MENTIONED:

[eBook] Raising Funds for Adoption Use promo code SUNNY to save 20% until Feb 14, 2020
[Blog] 3 Ways to Make Adoption Affordable
[Heather’s Affiliate Link] Save $10 on Your Sunny Money Method
Podcast Home Page
Leave a Podcast Review

MEET OUR GUEST

Heather Marshall is a wife to an amazing husband of almost 25 years, a mom to 2 of the best little kiddos ever, and a passionate adoption advocate. After going through the adoption process twice, Heather started a blog in 2019 to share adoption encouragement and resources. She was soon encouraged to write an eBook to help others. With the theme of affording adoption coming up often, she decided this was the topic to focus on. If you or someone you know is embarking on an adoption journey, read on to learn just how possible funding your adoption can be.

Instagram | Website | Facebook

I'D LOVE TO HEAR FROM YOU...

Reviews are everything on iTunes! Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram.

HEY I'M SAMI WOMACK

I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind A Sunny Side Up Life.

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

I offer a jump start into budgeti...

Next Episode

EP. 78 Financial Education + Empowerment For Women with guest Christina Lynn

Women are so incredibly strong. We can have careers, earn degrees, achieve financial goals, raise babies, and keep the house clean...often all at the same time. Christina Lynn is one of those women doing it all and empowering other women along the way.

Christina is sharing her story of returning to the workforce after a tough divorce, raising her two young children, and pursuing her PhD. She explains why financial education is crucial for all women, gives us actionable tips, and lots of encouragement for moving forward during the hard times.

IN THIS EPISODE, SAMI + CHRISTINA CHAT ABOUT:

Bouncing back after hitting rock bottom
Moving forward after a tough divorce
Returning to the workforce after being a stay-at-home mom
Balancing motherhood, a career, and pursuing a degree
Financial tips specifically for mothers
Preparing your money for the future
The importance of financial education for women

RESOURCES MENTIONED:

[Freebie] Net Worth Worksheet
[Full Set of Worksheets] Digital Budgeting System
Podcast Home Page
Leave a Podcast Review

MEET OUR GUEST

Christina Lynn is a CERTIFIED FINANCIAL PLANNERTM , Accredited Financial Counselor®, Certified Divorce Financial Analyst®, Certified Estate Planner®, and a doctoral student in personal financial planning at Kansas-State University. She works with clients nationwide and specializes in financial planning for women and families, as well as divorce financial advice. She has also been a frequent guest on KDLT News and Keloland Living, giving financial tips on various money topics. Her mission is to educate and empower women to achieve long-term financial success. For fun, she runs Spartan races, travels (on a budget, of course!), and watches telenovelas.

>> Reach out to Christina for a FREE financial consultation.

Instagram | Linkedin | Facebook

I'D LOVE TO HEAR FROM YOU...

Reviews are everything on iTunes! Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram.

HEY I'M SAMI WOMACK

I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind A Sunny Side Up Life.

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

I offer a jump start into budgeting with my free 8-day Declutter Your Budget Challenge + full budgeting experience with my course,