Budget on pay that goes up and down. Pay yourself a steady salary.

Commission, tips, bonuses, side gigs, self-employed. All your pay goes into a pot, and the pot pays you the same amount every month.

Instant digital download. Book, workbook for Excel and Google Sheets, and two guides.

Sound familiar?

• Every budget you try assumes the same paycheck every two weeks.
• Great month, spend it. Slow month, put it on the card.
• You never know what you can actually spend.

5 reasons people with changing pay use the Wallet Method

1. A pot for everything you earnEvery dollar you bring in goes into one account first. Big months fill it up.
2. A steady salary out of the potYou pick a salary from your worst month (safest) or your average month (more to live on). Same amount, every month.
3. Slow months stop being scaryA slow month draws from the pot instead of going on the credit card.
4. Your weekly spending allowance stays the sameBecause the salary is steady, your weekly adult allowance is steady too, no matter what came in.
5. A whole chapter and a workbook tabThe book has a full chapter on changing pay, and the workbook has a Pot tab that does the math.

How it works

1. Pay yourself first. On payday, at least 10% goes to savings before anything else.
2. Cover your bills. Everything that comes out on its own, set up once.
3. Get your weekly spending allowance: a set amount for everything else, like groceries, eating out, coffee and fun. It refills the same day every week.

When the wallet is empty, it's empty until refill day.

What you get

• The Wallet Method picture book54 pages that walk you through the whole method with real-life examples. Quick and fun to read.
• The workbookFor Excel or Google Sheets. 9 tabs. Fill in the yellow boxes and it does the math for you.
• How-To Guide12 pages, one for each tab of the workbook.
• Start HereWhat to open first, and in what order.

Who made it

Questions? Message me on Etsy. A real person answers.

Good to know

• This is a digital download. Nothing will be shipped.
• The workbook opens in Microsoft Excel or Google Sheets (free with a Google account). It's easiest on a computer. The PDFs open on any phone, tablet or computer.
• No bank login. You type your own numbers.
• Amounts are in dollars and the examples use US accounts, but the method works anywhere.