RBWells, 6 months ago (edited 3 months ago) Husband has irregular income. Like you I do a spreadsheet with the dollars all allocated for my income plus what he tells me he expects on average. Then each month I compare to actual results, and use that information to get a better estimate for the next year. The black hole is credit card repayment because it was spent on something but goes in as debt repayment but we are working on that. ETA: also do forecasting bank balance by day in months when things are tight. We do have savings but most of it in retirement accounts.
Husband has irregular income. Like you I do a spreadsheet with the dollars all allocated for my income plus what he tells me he expects on average.
Then each month I compare to actual results, and use that information to get a better estimate for the next year.
The black hole is credit card repayment because it was spent on something but goes in as debt repayment but we are working on that.
ETA: also do forecasting bank balance by day in months when things are tight. We do have savings but most of it in retirement accounts.