Funds for irregular or seasonal income

If you're self-employed, work on commission, or earn more in some seasons, a regular budget can feel impossible. A buffer fund turns uneven income into a steady "paycheck".

Build an income buffer

1. Work out a baseline monthly amount you need to live on
2. Put all income into a holding account
3. Pay yourself the baseline each month from it
4. In good months the surplus stays; in lean months the buffer covers the gap

Set aside for taxes

If no one withholds tax from your pay, keep a separate fund for estimated taxes and check IRS guidance on estimated payments or ask a tax professional.

Keep the emergency fund separate

With irregular income, aim for a larger emergency fund on top of the buffer.

General information, not tax advice. Stretching Funds Today isn't paid by any bank or company.