Tag: cash-flow

I'm a freelance designer and my income swings a lot month to month. Some months are great, then two lean ones show up in a row, and rent still wants to be paid on time. I'd like a simple system that doesn't require spreadsheets every day, and I prefer separate accounts only if it actually helps. I also need to set aside taxes and avoid putting emergencies on a credit card. How would you structure buckets, percentages, or buffers for this kind of cash flow? (If it matters, this is for a normal household setup, nothing fancy.)