The Floor Budget — How to Budget When Your Income Changes Every Week

You cannot budget a paycheck you cannot predict.

If your income changes every week — driving, delivering, freelancing, serving, commission, seasonal work — ordinary budgeting advice does not fit. It assumes the same amount arriving on the same day of every month. You are told to spend 50% of your income on needs, and the obvious question goes unanswered: 50% of which income, the good week or the bad one?

The Floor Budget answers it.

It is a 23-page workbook built on one move: stop budgeting the money you hope to make, and start budgeting the money you can count on. That number is your Floor. Everything above it becomes a bonus with a job already assigned to it.

What is inside

• The seven-step system, one page per step
• Eight fill-in worksheets that build on each other
• The weekly paycheck formula that turns lumpy deposits into a steady wage
• A tax set-aside method, plus the mileage deduction most drivers never claim — with current 2026 IRS figures
• Two written protocols: what you cut in a lean month, where surplus goes in a good one
• A one-page quick reference to hold all of your own numbers

Who it is for

Gig drivers and delivery workers. Freelancers and contractors. Servers and bartenders. Commission and seasonal workers. Anyone whose income is real but never the same twice.

Format

Instant download after checkout. 23-page PDF, US Letter. Designed to be printed — the worksheets and trackers are made to be filled in by hand — and readable on a phone or tablet.

Refunds

Because this is an instant download, all sales are final. If the file will not open or is not what was described, email us and we will fix it or refund you.

Please note

This is an educational workbook, not financial or tax advice, and it is not personalized to your situation. Tax figures cited are current as of this edition and are marked so you can verify them at IRS.gov.