I sat down one Sunday to cancel a streaming service I hadn’t opened in four months and ended up going through every recurring charge on my card statement instead. Twenty minutes later I had a list of fourteen subscriptions. I could name maybe eight of them from memory. The other six were things I’d signed up for, used once or…
Most budgeting advice assumes you get paid the same amount on the same day every month. Set aside a fixed percentage for savings, allocate the rest to categories, repeat. That works fine if you’re salaried. It falls apart almost immediately if you freelance, work commission, run a small business, or pick up shifts that change week to week. I’ve lived…