I used to have this issue when husband was doing contracting for himself. I made a budget, and had one account for all the usual stuff/groceries/bills/payments etc. One account for “other” which was if anything came up. And I’d put the same amount in each. Then whatever was left over went into third account which was specifically for topping up account #1 and #2 to their set amount if ever there was a slow month.
All accounts grew over time. Some months would be less expensive with bills and groceries. Sometimes has prices would go down but my account #1 always had enough deposited every month to cover max amount of bills and groceries.
I used to have this issue when husband was doing contracting for himself. I made a budget, and had one account for all the usual stuff/groceries/bills/payments etc. One account for “other” which was if anything came up. And I’d put the same amount in each. Then whatever was left over went into third account which was specifically for topping up account #1 and #2 to their set amount if ever there was a slow month.
All accounts grew over time. Some months would be less expensive with bills and groceries. Sometimes has prices would go down but my account #1 always had enough deposited every month to cover max amount of bills and groceries.