If an irregular income? Usually such a situation faced by private entrepreneurs, agents and lenders, as well as those who enter into contracts with large companies, as freelancers, for example, computer programmers, freelancers, and so on. Impossibility Planning a family budget, they justify the fact that in one month they have "dense" in another – "empty". At irregular income can be very difficult to make ends meet: do not come here so easily, say, the grocery store and top to fill the truck products. Without hesitation Tom Smith explained all about the problem. And if you do not plan their facilities, then sooner or later with the scarcity of money stolkneshsya. We offer a cheat sheet: If you set up your own business and determine for itself the their income, calculate the minimum amount you will pay itself in any, even the worst month.
If the month will be successful and you'll be able to secure a "prize", leaving part of it in reserve. If you receive a percentage of the transaction (realtor, broker, distributor), you probably can calculate the result, even the worst month – for that amount and count on when planning their spending. If you conclude you're a single deal in 2-3 months considered whether the amount received covers your expenses during this period. If earnings are not enough to live on the transaction until the deal – well, it's time to look for another source of income! Do not take on credit and avoid credit. The fact is that there is one strict rule to borrow money or take out loans, you must have experience and have a steady monthly income.