Steady Month: Budget System for Irregular Income

Steady Month is a budget system for freelancers, gig workers and side hustlers whose income changes every month.

Instead of budgeting around what you might earn, you pay yourself the same amount every month (your Baseline). A buffer covers the slower months.

WHAT YOU GET

- Steady Month Sheet: an Excel (.xlsx) file with 7 tabs (Baseline Calculator, Income Log, Bills Calendar, Monthly Dashboard, 12-Month View, Goals & Buffers), plus an example file filled with made-up numbers

- 7-Day Setup Guide (PDF)

- Lean Month Playbook (PDF)

- Printable Bill & Payday Calendar (PDF)

BONUSES

- Tax Set-Aside Tracker

- Client Payment Follow-Up Templates

- 50 AI Prompts for Money Planning

HOW IT WORKS

1. Enter your last few months of income and find your Baseline.

2. Log each deposit. It is split in order: tax set-aside, Baseline, buffer, goals.

3. Pay yourself on the same day every month.

GOOD TO KNOW

No bank connection. No subscription. One-time payment. Instant access after purchase. You can also upload the Excel file to Google Drive to use it in Google Sheets.

Steady Month is an educational budgeting tool, not financial, tax or legal advice. Results depend on your income and your choices.