My Income is Inconsistent & Therefore I Can't Use a Budget.

Clients, “I have Inconsistent income and therefore can't have a budget.”

My internal response: 

Why do I respond this way? 

Because i am about to radically transform their finances.

Many of these clients share a common struggle:

The stress of never knowing how much money will come in each month has pushed them to rely on credit cards to fill the gaps. This same uncertainty has kept them from sitting down to create a budget, as planning feels nearly impossible when their income fluctuates. Facing the reality of what they owe becomes overwhelming, so they avoid it altogether. Credit cards have become their way to stay afloat, but as the debt grows into five or even six figures, what once felt like a lifeline has turned into a trap. With interest payments eating away at what little income they do have, the sense of hopelessness deepens, making it harder to see a way out.

The good news is we completely overhaul their entire financial situation and trajectory in just 5 weeks and it all starts with ….

BUDGETING!

Say it with me, “EVERYONE NEEDS A BUDGET.”

Especially if you have inconsistent income.

Here is why: 

While your income may fluctuate, most of your expenses don't. You need to know exactly how much your expenses are each month so you can determine how much income you need to cover them. This clarity is the foundation of financial stability—it gives you a clear target to aim for and empowers you to take action with confidence.

Let's say your monthly expenses total $4,000. Knowing this number allows us to take a closer look at your business. We can calculate how many clients you need per week or the number of billable hours required to meet that goal. And yes, your minimum credit card payments are part of your monthly expenses—they can't be ignored.

From there, we strategize. We'll figure out exactly what you need to do to hit that $4,000 target. Then, you get to work—taking intentional, focused action. And as you start making progress, you'll text me all your wins, and we'll celebrate every step of the way.

Because with a budget, you're not just surviving—you're taking control. So whether you have consistent or inconsistent income, you need a budget and it will change your life, especially if we do it together. 

Are you ready for a complete financial transformation in just 5 weeks?

You'll gain clarity on your spending, create a realistic budget (even with inconsistent income), and develop a step-by-step plan to tackle debt. You'll know exactly how much income you need to cover your expenses, identify ways to increase your earnings, and feel confident in your financial decisions. Plus, you'll learn the simple, stress-free way to invest and save so you can start building long-term wealth. With the tools and mindset shifts you'll gain, you'll go from feeling overwhelmed to empowered, ready to take control of your money and create the future you deserve.

Stop going at this alone. Imagine what your life will look like and how you will feel after these life-changing financial transformations just 5 weeks from today. 

Disclaimer: I am an educator, not your personal financial advisor. Please make sure to do your own research before moving forward with any actions discussed in this blog post. 

Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!