There is a great article over at the 99 percent on How to Budget for an Irregular Income.
This has been, for me, one of the difficult things about working freelance for the past year and a bit. Your income from month to month can vary greatly and it can sometimes be struggle to know when you can and can’t use money.
I can, however, testify to the value of some of the suggestions in the article. Having a separate account for freelancing fees to be paid into has been a great way to do it. Money goes into the “business” account and stays there. I pay myself a fortnightly wage from that account into our transaction account in an attempt to keep my pay regular.
There’s lots of other little tips in the article for anyone who is in a similar situation, so check it out.