How to budget for irregular income: Big lump sum income, followed by zero income, is familiar to contractors, freelancers and commissioned salespeople. But even those willing to adhere to a budget struggle with managing their irregular income.
I once racked up an insane amount of debt. To repay that debt, I relied entirely on budgeting. And when I began budgeting, it quickly became an obsession.
Debt doesn't define you. Take the time to forgive yourself. When your internal dialogue starts speaking to you negatively, try and interrupt it with a more positive message.
Good news: your circumstance and personality don't need dictate your financial success. Wealth isn't a result of dumb luck; it's the result of learning, tracking, and adjusting behaviors.