{"id":16607,"date":"2025-01-14T18:45:53","date_gmt":"2025-01-14T18:45:53","guid":{"rendered":"https:\/\/coastccu1dev.wpenginepowered.com\/?p=16607"},"modified":"2025-01-15T18:47:15","modified_gmt":"2025-01-15T18:47:15","slug":"seven-steps-budgeting-irregular-income","status":"publish","type":"post","link":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/","title":{"rendered":"Seven Steps for Budgeting with an Irregular Income"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Are you trying to figure out how to budget with an irregular income? You\u2019re not alone! About 57 million people in the United States work as freelancers and gig workers.<sup>1<\/sup><\/span><span style=\"font-weight: 400;\"> Managing money on a variable income is a challenge shared by everyone in the gig economy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Learning to budget with an inconsistent income requires a blend of self-discipline and flexibility\u2014but you can do it! Start with these steps to take control of your finances.<\/span><\/p>\n<p><b>Step #1<\/b><span style=\"font-weight: 400;\">:<\/span><b> Calculate how much you earn.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Add up your income over a period of months. If you\u2019re new to gig work, you\u2019ll need to estimate based on what you think you\u2019ll earn each month. There are two main ways to budget with a variable income:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Base your budget on your average monthly income.<\/b><span style=\"font-weight: 400;\"> Add up your earnings for six months or a year, and divide by the number of months. This gives you an estimate of what you can expect to earn each month. This method works best if your income doesn\u2019t fluctuate very much from month to month.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Base your budget on your lowest month of income.<\/b><span style=\"font-weight: 400;\"> Figure out the month when you earned the least, and base your budget on that amount. This method is safer because it ensures you can cover your essentials even during slow months.<\/span><\/li>\n<\/ul>\n<p><b>Step #2: Add up your essential expenses.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Calculate all the expenses you <\/span><b>must<\/b><span style=\"font-weight: 400;\"> pay each month. These might include:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Housing: rent, mortgage payment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Utilities: electricity, water, gas<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Groceries: food, household supplies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance: health, auto<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transportation: gas, car payments, public transit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technology: cell phone, internet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Child care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal needs: clothes, shoes, haircuts<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">Savings: taxes, emergencies, goals<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For guidance as you work on this step, check out the downloadable <\/span><a href=\"https:\/\/coastccu.practicalmoneyskills.com\/en\/learn\/budgeting\/creating-a-budget.html\"><span style=\"font-weight: 400;\">Budget Worksheet<\/span><\/a><span style=\"font-weight: 400;\"> from Coast Central Credit Union\u2019s Practical Money Skills.\u00a0<\/span><\/p>\n<p><b>Step #3: Compare income with expenses.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Put the totals of Steps 1 and 2 side-by-side. If your essential expenses are more than your income, you\u2019ll need to cut costs. Can you spend less on groceries, lower your utility bills, or find a more affordable insurance plan? If you can\u2019t pay your basic expenses, you\u2019ll dig yourself into a financial hole, so you must address this right away.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your income exceeds your expenses, you have some flexibility! You can increase the amounts for essential expenses and\/or add extras to your budget, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paying off debt faster<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Saving more<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Entertainment and eating out<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memberships and subscriptions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hobbies, travel, and luxury items<\/span><\/li>\n<\/ul>\n<p><b>Step #4: Determine your monthly salary.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Now you can decide how much you need to pay yourself each month. Based on the budget you\u2019ve calculated, give yourself a consistent salary to help smooth out the ups and downs of irregular income. You might choose to pay yourself a \u201cregular\u201d salary during the average months and a bare-bones salary covering only essentials during lean months.\u00a0<\/span><\/p>\n<p><b>Step #5: Build a fluctuation fund.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">In order to receive a dependable salary, you\u2019ll need to have a cushion\u2014a fluctuation fund. If you get more gig work than usual, add to this fund. During months when you don\u2019t make enough to pay your salary, money from this fund will make up the difference.\u00a0<\/span><\/p>\n<p><b>Step #6: Set up savings accounts.<\/b><\/p>\n<p><b><\/b><span style=\"font-weight: 400;\">Dedicated savings accounts will make budgeting easier. Here are the most important ones:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tax Fund:<\/b><span style=\"font-weight: 400;\">\u00a0Save for quarterly estimated taxes. Visit the IRS\u00a0<\/span><a href=\"https:\/\/www.irs.gov\/businesses\/gig-economy-tax-center\"><span style=\"font-weight: 400;\">Gig Economy Tax Center<\/span><\/a><span style=\"font-weight: 400;\">\u00a0to estimate what you owe.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Goals Fund:<\/b><span style=\"font-weight: 400;\">\u00a0Save for specific things, like a vacation, a car, or other major purchases.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Emergency Fund:<\/b><span style=\"font-weight: 400;\">\u00a0Aim to save three to six months of essential expenses for unexpected situations. Check out Coast Central\u2019s <\/span><a href=\"https:\/\/www.fintactix.net\/coastcentral\/tools\/savings\/s07\"><span style=\"font-weight: 400;\">Save for a Rainy Day calculator<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Retirement Fund:<\/b><span style=\"font-weight: 400;\"> Do some research to find the best retirement fund for your situation, and make sure you contribute to it faithfully. Look into the <\/span><a href=\"https:\/\/www.coastccu.org\/personal\/ira-accounts\/\"><span style=\"font-weight: 400;\">Individual Retirement Accounts (IRAs)<\/span><\/a><span style=\"font-weight: 400;\"> offered by Coast Central, as well as other options.\u00a0<\/span><\/li>\n<\/ul>\n<p><b>Step #7: Review your budget every month.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Make it a habit to look over your budget at the end of every month, so you can adjust it as necessary for the coming month. Some months will have more expenses than others\u2014such as during the holiday season\u2014so you will need to plan ahead and adapt your budget accordingly.\u00a0<\/span><\/p>\n<p><b>Bonus Step: <a href=\"https:\/\/www.coastccu.org\/financial-wellness\/\" target=\"_blank\" rel=\"noopener\">Keep learning<\/a>.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Knowing how to budget with an irregular income will help you thrive in the gig economy! Want to learn more about budgeting, saving, or managing debt? Check out Coast Central\u2019s <\/span><a href=\"https:\/\/coastccu.practicalmoneyskills.com\/en\/learn.html\"><span style=\"font-weight: 400;\">Practical Money Skills<\/span><\/a><span style=\"font-weight: 400;\"> for tips on a range of subjects! If you\u2019re not already a Member, discover the benefits of Coast Central\u2019s products and services, which will help you make the most of your income: <\/span><a href=\"https:\/\/www.coastccu.org\/\"><span style=\"font-weight: 400;\">coastccu.org<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>Coast Central\u2014Where YOU are Central.<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><sup>1. Jeff Beckman, \u201c2024 Gig Economy Statistics: Unveiling 85+ Remarkable Insights,\u201d <i><span style=\"font-weight: 400;\">Techreport<\/span><\/i><span style=\"font-weight: 400;\">, revised May 29, 2024, <\/span><a href=\"https:\/\/techreport.com\/statistics\/business-workplace\/gig-economy-statistics\/\"><span style=\"font-weight: 400;\">techreport.com\/statistics\/business-workplace\/gig-economy-statistics<\/span><\/a>.<\/sup><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you trying to figure out how to budget with an irregular income? You\u2019re not alone! About 57 million people in the United States work as freelancers and gig workers.1 Managing money on a variable income is a challenge shared &hellip;<\/p>\n","protected":false},"author":21,"featured_media":16610,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[16],"tags":[],"class_list":["post-16607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education-articles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seven Steps for Budgeting with an Irregular Income - Coast Central Credit Union<\/title>\n<meta name=\"description\" content=\"Are you trying to figure out how to budget with an irregular income? You\u2019re not alone!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seven Steps for Budgeting with an Irregular Income - Coast Central Credit Union\" \/>\n<meta property=\"og:description\" content=\"Are you trying to figure out how to budget with an irregular income? You\u2019re not alone!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/\" \/>\n<meta property=\"og:site_name\" content=\"Coast Central Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/coastcentral\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-14T18:45:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-15T18:47:15+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"648\" \/>\n\t<meta property=\"og:image:height\" content=\"397\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Janeah Lucero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@coastcentral\" \/>\n<meta name=\"twitter:site\" content=\"@coastcentral\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Janeah Lucero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/\"},\"author\":{\"name\":\"Janeah Lucero\",\"@id\":\"https:\/\/www.coastccu.org\/#\/schema\/person\/59b14aa23cb009d97b062c36021100a2\"},\"headline\":\"Seven Steps for Budgeting with an Irregular Income\",\"datePublished\":\"2025-01-14T18:45:53+00:00\",\"dateModified\":\"2025-01-15T18:47:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/\"},\"wordCount\":808,\"publisher\":{\"@id\":\"https:\/\/www.coastccu.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png\",\"articleSection\":[\"Financial Education\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/\",\"url\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/\",\"name\":\"Seven Steps for Budgeting with an Irregular Income - Coast Central Credit Union\",\"isPartOf\":{\"@id\":\"https:\/\/www.coastccu.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png\",\"datePublished\":\"2025-01-14T18:45:53+00:00\",\"dateModified\":\"2025-01-15T18:47:15+00:00\",\"description\":\"Are you trying to figure out how to budget with an irregular income? You\u2019re not alone!\",\"breadcrumb\":{\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#primaryimage\",\"url\":\"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png\",\"contentUrl\":\"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png\",\"width\":648,\"height\":397},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.coastccu.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Seven Steps for Budgeting with an Irregular Income\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.coastccu.org\/#website\",\"url\":\"https:\/\/www.coastccu.org\/\",\"name\":\"Coast Central Credit Union\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.coastccu.org\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.coastccu.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.coastccu.org\/#organization\",\"name\":\"Coast Central Credit Union\",\"url\":\"https:\/\/www.coastccu.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.coastccu.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.coastccu.org\/wp-content\/uploads\/2018\/02\/CCCU-Color-For-Light-Background-Medium.png\",\"contentUrl\":\"https:\/\/www.coastccu.org\/wp-content\/uploads\/2018\/02\/CCCU-Color-For-Light-Background-Medium.png\",\"width\":575,\"height\":198,\"caption\":\"Coast Central Credit Union\"},\"image\":{\"@id\":\"https:\/\/www.coastccu.org\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/coastcentral\",\"https:\/\/x.com\/coastcentral\",\"https:\/\/www.instagram.com\/coastccu\/\",\"https:\/\/www.linkedin.com\/company\/coast-central-credit-union\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.coastccu.org\/#\/schema\/person\/59b14aa23cb009d97b062c36021100a2\",\"name\":\"Janeah Lucero\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.coastccu.org\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f8853a9712a2f5420ead2a541d4dcff21fdd8d643647f0c860e8bb48ced341be?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f8853a9712a2f5420ead2a541d4dcff21fdd8d643647f0c860e8bb48ced341be?s=96&d=mm&r=g\",\"caption\":\"Janeah Lucero\"},\"url\":\"https:\/\/www.coastccu.org\/author\/jlucero\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Seven Steps for Budgeting with an Irregular Income - Coast Central Credit Union","description":"Are you trying to figure out how to budget with an irregular income? You\u2019re not alone!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/","og_locale":"en_US","og_type":"article","og_title":"Seven Steps for Budgeting with an Irregular Income - Coast Central Credit Union","og_description":"Are you trying to figure out how to budget with an irregular income? You\u2019re not alone!","og_url":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/","og_site_name":"Coast Central Credit Union","article_publisher":"https:\/\/www.facebook.com\/coastcentral","article_published_time":"2025-01-14T18:45:53+00:00","article_modified_time":"2025-01-15T18:47:15+00:00","og_image":[{"width":648,"height":397,"url":"http:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png","type":"image\/png"}],"author":"Janeah Lucero","twitter_card":"summary_large_image","twitter_creator":"@coastcentral","twitter_site":"@coastcentral","twitter_misc":{"Written by":"Janeah Lucero","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#article","isPartOf":{"@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/"},"author":{"name":"Janeah Lucero","@id":"https:\/\/www.coastccu.org\/#\/schema\/person\/59b14aa23cb009d97b062c36021100a2"},"headline":"Seven Steps for Budgeting with an Irregular Income","datePublished":"2025-01-14T18:45:53+00:00","dateModified":"2025-01-15T18:47:15+00:00","mainEntityOfPage":{"@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/"},"wordCount":808,"publisher":{"@id":"https:\/\/www.coastccu.org\/#organization"},"image":{"@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#primaryimage"},"thumbnailUrl":"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png","articleSection":["Financial Education"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/","url":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/","name":"Seven Steps for Budgeting with an Irregular Income - Coast Central Credit Union","isPartOf":{"@id":"https:\/\/www.coastccu.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#primaryimage"},"image":{"@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#primaryimage"},"thumbnailUrl":"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png","datePublished":"2025-01-14T18:45:53+00:00","dateModified":"2025-01-15T18:47:15+00:00","description":"Are you trying to figure out how to budget with an irregular income? You\u2019re not alone!","breadcrumb":{"@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#primaryimage","url":"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png","contentUrl":"https:\/\/www.coastccu.org\/wp-content\/uploads\/2025\/01\/Seven-Steps-for-Budgeting-with-an-Irregular-Income-648x397-1.png","width":648,"height":397},{"@type":"BreadcrumbList","@id":"https:\/\/www.coastccu.org\/seven-steps-budgeting-irregular-income\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.coastccu.org\/"},{"@type":"ListItem","position":2,"name":"Seven Steps for Budgeting with an Irregular Income"}]},{"@type":"WebSite","@id":"https:\/\/www.coastccu.org\/#website","url":"https:\/\/www.coastccu.org\/","name":"Coast Central Credit Union","description":"","publisher":{"@id":"https:\/\/www.coastccu.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.coastccu.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.coastccu.org\/#organization","name":"Coast Central Credit Union","url":"https:\/\/www.coastccu.org\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.coastccu.org\/#\/schema\/logo\/image\/","url":"https:\/\/www.coastccu.org\/wp-content\/uploads\/2018\/02\/CCCU-Color-For-Light-Background-Medium.png","contentUrl":"https:\/\/www.coastccu.org\/wp-content\/uploads\/2018\/02\/CCCU-Color-For-Light-Background-Medium.png","width":575,"height":198,"caption":"Coast Central Credit Union"},"image":{"@id":"https:\/\/www.coastccu.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/coastcentral","https:\/\/x.com\/coastcentral","https:\/\/www.instagram.com\/coastccu\/","https:\/\/www.linkedin.com\/company\/coast-central-credit-union"]},{"@type":"Person","@id":"https:\/\/www.coastccu.org\/#\/schema\/person\/59b14aa23cb009d97b062c36021100a2","name":"Janeah Lucero","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.coastccu.org\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f8853a9712a2f5420ead2a541d4dcff21fdd8d643647f0c860e8bb48ced341be?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f8853a9712a2f5420ead2a541d4dcff21fdd8d643647f0c860e8bb48ced341be?s=96&d=mm&r=g","caption":"Janeah Lucero"},"url":"https:\/\/www.coastccu.org\/author\/jlucero\/"}]}},"_links":{"self":[{"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/posts\/16607","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/comments?post=16607"}],"version-history":[{"count":0,"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/posts\/16607\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/media\/16610"}],"wp:attachment":[{"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/media?parent=16607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/categories?post=16607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coastccu.org\/wp-json\/wp\/v2\/tags?post=16607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}