{"product_id":"irregular-income-budget-planner-excel-google-sheets","title":"Irregular Income Budget Planner (Excel \u0026 Google Sheets)","description":"\u003cp\u003eBudget from your lowest months, not your best. This planner is built for freelancers, gig workers, commission earners, tipped workers and anyone whose paycheck changes every month.\u003c\/p\u003e\u003ch3\u003eWhat's inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome Log:\u003c\/strong\u003e enter what you earned each month. The planner works out your Safe Income, halfway between your average month and your lowest month.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBills \u0026amp; Needs:\u003c\/strong\u003e list every expense and mark it Must, Need or Want.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly Plan:\u003c\/strong\u003e see what your Safe Income covers, in order of priority, and check this month's real income against it. Anything above Safe Income is flagged to move into savings.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBuffer Fund:\u003c\/strong\u003e track your cushion and how many months of Musts and Needs it covers.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eStart Here:\u003c\/strong\u003e a short guide.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003cp\u003eType in the yellow cells and everything else calculates. Reuse it every month.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eInstant digital download. Works in Excel and Google Sheets. No physical item will be shipped. For planning only; not financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"TemplateNest","offers":[{"title":"Default Title","offer_id":68318821646487,"sku":null,"price":9.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0842\/1271\/1575\/files\/Cover_Irregular_Income.png?v=1794409508","url":"https:\/\/templatenest.org\/products\/irregular-income-budget-planner-excel-google-sheets","provider":"TemplateNest","version":"1.0","type":"link"}