On Apr 3, 2009, at 1:00 PM, Daniel Shanahan wrote:

> I've had difficulty with the allocation process too, mostly because  
> my monthly income is unpredictable.  I ended up allocating manual,  
> as have others.


Daniel,

If you have a variable income, you still should be working to set a  
spending plan that is a baseline. This will allow you to keep your  
spending low so you can build a war chest of savings and reduce debt  
with the extra income. Then gradually, you can increase some of your  
spending as you are able to move away from living off the current  
paycheck. Be careful though to avoid eating away at the savings just  
with normal expenses. Your spending plan may start out less than your  
lowest paycheck and then move up to your average paycheck as cash flow  
allows.

Peace,

Kevin Hoctor
[email protected]
No Thirst Software LLC
http://nothirst.com
http://kevinhoctor.blogspot.com


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