Map every source
Record the amount, frequency and expected date for salary, freelance work, benefits or other income.
02 — The arrival pattern
Know what lands—and when.
Income planning begins with net amounts and timing. A steady total can still create pressure when paydays and due dates are out of step.
Use a conservative floor
For variable earnings, build essential commitments around a cautious baseline.
Give windfalls a sequence
Decide in advance how an extra amount will be divided among immediate needs, reserves and goals.
The practice
A simpler sequence.
Take these in order, then revisit when the facts change.
- 01
Confirm net pay
Use the amount received after deductions.
- 02
Mark the cadence
Monthly, fortnightly, weekly or irregular.
- 03
Match the window
Cover only obligations due before the next expected arrival.