Chelsea says, I just signed up for your newsletter and podcast. My question is how to budget for things

that change monthly, like gas and electricity, which always trip me up. Any advice would be

appreciated. Thank you for your great question, Chelsea, and I'm so glad to have you as a new newsletter

and Money Girl podcast subscriber.

Yes, budgeting would be a lot easier if you only had fixed expenses that never changed from

month to month.

Likewise, many people have jobs or run businesses with unpredictable income.

That also can make budgeting pretty challenging.

But this podcast will answer your question with some strategies for budgeting and managing money

in the best way possible, even with irregular expenses and variable income.

Hey, everyone, thanks for joining me this week.

I'm Laura Adams, a personal finance expert who's been hosting Money Girl since 2008 with over

42 million downloads.

I'm also the founder of The Money Stack, a weekly newsletter that Chelsea mentioned.

That newsletter is all about helping you build your bank account and living rich on your terms. I also work as a financial

writer, speaker, and on-camera spokesperson. As always, you can reach me using my contact page

at laura d.adams.com. That's also where you can learn more

about my newsletter, books, and money courses. Again, go to laura d adams.com to sign up for

the money stack. And if you've got a money question or an idea for a show topic, I'd love to hear it.

You can call 302-364-0308 and leave me a message.

All right, so we're going to talk about six tips or steps for budgeting with unpredictable

income and expenses. These are going to help you take control of your spending plan, you know, even when you've got

...