Description
Description: This training teaches a buffer‑based system that works even when your income swings. You will separate fixed, flexible, and seasonal expenses into dedicated buckets that match your real life. You will build a one‑month base buffer that insulates minimum payments from slow weeks. You will install a weekly money ritual that assigns every dollar to a job before it disappears. You will align due dates to your cash‑in days and automate minimums to eliminate late fees. You will use threshold rules to release extra cash to your top priority debt every Friday. You will forecast slow seasons using last year’s receipts and set aside a micro‑sinking fund. You will adopt a “low‑spend week” playbook to protect progress during lean patches. You will create a spending cap for variable categories that adjusts automatically with income. You will track your progress with a simple scoreboard that shows debt going down even when income is choppy. You will finish with a working budget you can run in 15 minutes a week.
Format: Video class, Google Sheets zero‑based template, and a weekly ritual checklist.
Duration: 2 hours of lessons plus one setup session.
What You’ll Learn: Buffer building; calendar alignment; zero‑based budgeting; threshold rules; seasonal planning; weekly execution.
Target Audience: Freelancers, gig workers, and commission earners who struggle to keep payments steady.
English