Can you plan how you will spend your money when you don’t know when or how much you will be paid?

Does your income feel like a rollercoaster? One month you’re up, and the next month you’re down. Here is a short list of fields that may struggle with this: salespeople, freelancers, contractors, small business owners, Realtors, and personal injury attorneys, and others. If you are in a field with variable income, you know the drill. This unpredictable income can make your spending plan feel impossible, but I’m here to tell you it’s not only possible, it’s essential.

Vacations, social events, energy bills, and forgotten expenses can add up quickly. Without a spending plan, it’s easy to spend too much and lose sight of your cash flow. Here are common summer money challenges.

The pang of doubt that hits after a purchase can feel like a mental tug-of-war. Second-guessing spending is a common experience, leaving many wondering why they feel uneasy about their spending choices and how they can feel confident. This article explores the emotional and psychological roots of second-guessing spending and why it happens.

Money confidence comes from knowing what’s coming next—steady paychecks, predictable expenses, and a growing economy. But right now? Predictability is out the window. Prices are climbing, layoffs are happening, and the stock market has taken a serious hit since the new administration took over. If you’ve been feeling uneasy about your money, you’re not alone. Even those who were once financially comfortable are now pulling back on spending and swiping their credit cards more than ever just to keep up.