Transcript: Budgeting – How to Succeed with Irregular Income, with Eowyn Levene

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Show Notes for this Episode

Eowyn Levene 0:00
Welcome to Creatives Do Money. Each week we explore the topics of everyday money management, solo business ownership, and how we’re fueling our creative futures. I’m your host Eowyn Levene, money coach, longtime self employed massage therapist, and watermelon enthusiast, and I’m on a mission to help you build the lasting financial stability that frees you up to do your creative work without hustling anxiously for the next dollar.

Eowyn Levene 0:29
Before we get into the heart of today’s episode, I was reviewing my notes and just thinking to myself, this is a lot. So I want this to be comprehensive, and a really good introduction for you an introduction to how to use a budget when you have variable income and how to really build some structure around how you manage your money. Having said that, if there’s any chance, you might have some somewhat overwhelmed feelings, as you listen, please remember two things.

Eowyn Levene 0:59
One, I have a free PDF and audio guide, it’s called 3 Simple Steps to Improve Your Finances, even when Your Money is a Mess. There’s a link to that guide in the show notes, you also can find a link to sign up for my free Plum Tree Community. So those are two resources that you can use. If you’re listening to this episode, and thinking, Oh, this is too much, I’m not ready for this, this is more than I can handle. So there are things that you can put in place, and you can build foundations for yourself, that will lead to a place in your life where you feel ready to start being more structured about how you plan your spending, there is support available to you. And there are ways to get ready for implementing what I’m about to talk about.

Eowyn Levene 1:43
So if you’re anything like me, oh, say 12 years ago, you might be starting or progressing on your financial journey, pretty much in the dark around the real everyday handling of your money, and maybe getting into some credit card debt, dealing with a pile of student loans, spending a lot more on Okay, so this is pre-COVID times, but long haul flights – or the equivalent of whatever long haul flights are – or cocktails or something that’s just not making sense for your life. And for your current income. There might be some bounced checks, maybe some personal loans, or just I don’t know, a general sense of mystery about where your money goes, and some frustration at just not reaching your lasting financial goals. If you have those goals at all, if you’ve really taken the time to map those out. So what I’m describing is really where I was at that point, and I get it.

Eowyn Levene 2:38
So on top of all of those chaotic money events in your life, whatever it looks like, if you think about budgeting? Well, I mean, first of all, who needs it. And if you are feeling that way, maybe listen to two episodes ago where I talk about how the word budget is kind of a misunderstood word. But you could be in that place of just saying, well, not for me, which I’ve definitely been there… raising my hand. And then also, you might feel some preemptive defeat at at how you might make budgeting work. If you know one month you’re bringing in $1500. And the next month you bring in $8000. How do you make sense of all of that. So the first thing I’ll do is just reassure you that if things are generally kind of chaotic with money, and if you have variable income, one of the most effective tools that is there for you is using a budget. And if you do it in the right way, which is what we’re going to get into today, it’s a real life changer.

Eowyn Levene 3:36
At its most basic budgeting is the process of sitting down and using a formal system to plan how you’re going to spend that money, what are you going to do with it. Just like you might start building your productivity skills or using your Google Calendar really intentionally, or maybe setting some accountability for yourself, just like you might pull all those things in if you’re really trying to use your time more effectively. It’s the same with your money. So that system is a budget and strategic goals within your personal finances. And that’s how you over time get better at managing your money.

Eowyn Levene 4:14
So in today’s episode, I am going to give you an overview of what an effective budget looks like. And specifically, what are some of the crucial elements that you need to succeed at using a budget, we’ll look at the particular steps that you want to take to navigate budgeting on a variable income. And those are really specifically based on the unique method that I developed to use a budget on the variable income that I have had for the past eight years as a self employed massage therapist. And then I’m going to finish up the episode by debunking some of the more common budgeting advice that’s out there that I consider, well, unhelpful. Let’s put it that way. So in particular, if you’re self employed and dealing with inconsistent income, this budgeting advice is, in my opinion, not for you.

Eowyn Levene 5:02
So let’s dive in with just a brief outline of the process of budgeting, what does this look like? Initially, what you’re going to do is you’re going to choose a system of budgeting for yourself, you are going to then build your first budget. Once you have created that structure for yourself, you’ll be using it over time. And then every month, ideally, you’re going to close up that budget, you’re going to review what your spending was like over the month, compare it to other months, you’re gonna spend a bit of time saying, Okay, what worked, what didn’t work? Why didn’t it work? Can I do more of something that’s working well, so you go through a review process, and then you change the structure of your budget, some wants, as a result of that review process. And over time, your budget gets more and more tailored to you and your life, it adjusts as your life changes, and it starts to just really fit you. There are a lot of different ways of budgeting and a lot of different systems out there. I’m going to introduce you to the basic format that I use that I know to work really, really well when you work for yourself and have some inconsistent income. It also works really well when you’re just starting out. So if you’re somebody who has tried to budget in the past, and it’s just not works at all, some of the things I’m going to talk about today may help you to restart the budgeting process and have more success this time than you did previously.

Eowyn Levene 6:31
So there are five overall elements to the budget, the way that I use it, the first element is income. And that’s just totaling up how much income has come in over the past week or two weeks. The next four areas of the budget are all about spending, or what you’re going to do with that money.

Eowyn Levene 6:49
The first area of spending is what I call fixed expenses. So these are the expenses that are determined by somebody else. This might be your rent or your utilities. So the dollar amount is determined by somebody else. And the date on which you’re going to pay that thing is determined by somebody else. Your minimum credit card payments would be included as one of your fixed bills, along with your phone bill and your utilities. The distinction is is this an expense that I have control over in terms of when it’s paid, and how much is paid, or do I not so in the case, when you don’t have control over that, that makes it a fixed expense. So the first area of the budget, once you’ve calculated the income that comes in, you are allocating the amount of money that you know is going to be needed to cover your fixed expenses over the course of the budgeting period.

Eowyn Levene 7:49
The next area of spending is your variable expenses. So these are the expenses over which you have complete control. It’s things like general household expenses, or its grocery spending, it’s restaurant spending. It’s your entertainment budget, that kind of thing. The benefit of distinguishing between these two kinds of expenses is that you focus most of your time and your efforts on modifying your variable expenses as a way of opening up more space in your budget of freeing up more money from your income to go towards savings or debt payoff or investing. distinguishing between fixed and variable expenses helps you focus in the areas that are most important.

Eowyn Levene 8:34
The third area of spending in a budget is your savings and your future spending. Your savings, that’s pretty self explanatory. So that might be your emergency fund, it could be your retirement savings as well. Let’s say you put $100 a week into your retirement account. And that comes out as an auto deduction from a checking account of yours. So that would go in this category of the budget. Also, in here go your sinking or your bucket funds where you’re preparing in advance for future spending on larger purchases. Or this is where you might save up for let’s say the winter holidays or for your kids birthday, or for a vacation. Each of those categories would be allotted a certain amount that you’re saving, and you would regularly save every time that you do your budget, even if in very small amounts. And you might not always fund a given sinking fund in a given budgeting cycle. But when you’re doing it, this is the category where you account for it. In here. You also include your rollercoaster funds, which I’m going to get to. You also include your checking account buffer, which is that amount of money that always just sits in your checking account and you don’t intend to spend in the given budgeting cycle. It’s almost like a mini emergency fund just waiting for you in your checking account should you need it.

Eowyn Levene 9:59
So The fourth area of spending within your budgets answers the question, what do you do with the money that you have not yet allocated, you have calculated your income, you’ve taken care of your fixed expenses, you’ve taken care of your variable spending, you’ve made sure you have money for groceries and for fun, and all the different categories that you might spend on this could be your kids allowances, it could be clothing, you’ve planned for the future by allocating money for saving and your sinking funds. And then let’s say once you go through this process of subtracting all the different areas of spending from the income you started with, let’s say you have $210 left over that you haven’t allocated. So then the question is, what is my most important goal at the moment, perhaps it’s getting rid of a lingering credit card balance, you would take that $210, let’s say the budgeting period that you’re dealing with is the first through the eighth of the month. So if you’re planning your spending, then and one of your minimum debt payments comes out of your account. During that time, you would have spent, let’s say your minimum debt payment is $43, which came out of the account on the third of the month, with this extra $210, then when you make all your money moves based on your budget, so you transfer any money that you need to transfer, maybe you withdraw some cash, you would also make that additional $210 payment towards your credit card balance. So it’s that moment at the end where you’ve allocated to take care of your needs. And then you look alright, I know that I’ve taken care of, you know, having lunch with a friend this week, I know I’ve taken care of all the needs, and I plan for my future, now I still have this money available. And I’m going to put it towards what’s most important to me right now. And that’s kind of where the magic happens. So what I’ve described to you is actually a zero based budget. And that’s where the magic comes is at the end when you have that money leftover. So those are the basic elements of a budgeting system that works so well for myself, my clients and many other folks out there.

Eowyn Levene 12:13
So now that we have the basic overview of what a budget and a budgeting process looks like, I want to get into some of those key elements that are really important to help set you up for success when you use a budget. The first thing we’re going to get into is why you are going through this. So it’s going to take you some time and effort to build your first budget and to learn how to use it and kind of just to get the hang of things, remembering your why and getting specific about it. And you know, having it up on the fridge or up on a wall by your desk somewhere where you see it often. It’s going to help just keep you motivated when things get kind of tough. And when you don’t, you just don’t feel like it. And it can be great to be specific in the sense that maybe your why is I want to get out of debt. But how about you take it a bit further and say I want to get out of debt. So I can save for a camper van. So I can go on long weekends in the mountains. Or instead of just I want to save more money, you say I want to save an emergency fund. And then I want to build a runway fund that will allow me to develop a new work or business idea. So get specific and build that picture of yourself.

Eowyn Levene 13:27
Next, you want to be open to the possibility that you may have a specific budgeting nature. So by that, I mean, maybe you need to do it with pen and paper. Or maybe spreadsheets are the right way to go for you. Or maybe even you want to use some kind of software, like Every Dollar or YNAB. So I have to say I encourage you to start with either paper or spreadsheet. So start with the most basic system. And if it’s helpful, in the show notes going to link to a basic spreadsheet templates that you it’s a Google spreadsheet that you can just copy and use for yourself. If you decide you want to use paper, you can just copy the format of the spreadsheet onto a piece of paper and write your numbers out. The reason I recommend either paper or spreadsheet is that software can become its own learning curve. And it just adds an extra layer of complexity and challenge at the beginning of what can already be a challenging process. So if you find yourself melting down at spreadsheets, try it on paper and vice versa. If you just feel like you don’t want to like be writing things out on paper because it’s just so slow. And you have to use you know the calculator on your phone, then use a spreadsheet. Myself, I use paper for my personal finances and I use a spreadsheet for my business finances. Give yourself some leeway to figure out the right kind of modality for you when it comes to budgeting.

Eowyn Levene 14:58
Next up is incorporate a calendar aspect to your budgeting. So that means you don’t only want to know what your fixed expenses are, but you want to have them listed out by date, the amounts that you expect to be paying overestimate, if you’re not sure what it’s going to be. You also want to reference your upcoming events and commitments. Do you have doctor’s appointments, do your children have some kind of an event that requires a purchase anything that impacts how much money you need in that budgeting period. So you’re looking ahead at the expected expenses, and you’re looking ahead, you’re looking ahead at those expected fixed expenses, but then you’re also looking ahead at the events that mean, hey, I’m going to need money for this. If you know what to expect in terms of income, it can be really helpful to list that as well. So the simplest version of doing this is to just print out a blank Google Calendar. And then write down your fixed expenses, write down any upcoming events for the month, and just have that calendar to reference every time that you budget.

Eowyn Levene 16:06
Next up, you want to go through the process of dividing your expenses and knowing what they are. So you’re going to be dividing them between fixed and variable. So the best way to do this is going to be look back at the last three months. If you’re feeling really fancy, I’ll expand it to four or five, six months, look back at those expenses, and list out all of the fixed ones according to date, and then highlight all of the variable ones. And then what you want to do is you want to look at those variable expenses and decide what the basic categories are for you. And for your life. If you have children, there are going to be categories related to your children. If you have pets like me, there might be cat related expenses. Or if you love cooking at home, your groceries may be higher than someone else who might have a category in their budget that is for meal deliveries or something like that. So you want to take your own life as a guide for choosing those variable expense categories. But then you also want to be mindful of the areas of your spending that you know, haven’t been serving you. So some folks will lump together meal delivery restaurant food, and groceries. But if one of those three, you suspect to be an area in your budget that you would really benefit from reducing, you might want to separate those two out so you would separate groceries and you would separate out restaurant food, so that you can track both and see your progress when you make an effort to change one or the other. So there’s a bit of nuance that goes into choosing your variable categories. And again, that will, that will change and develop over time. But initially, you want to pick, I wouldn’t pick more than, you know, seven or eight variable spending categories. You want to start by choosing those. And it can be really helpful to always include a miscellaneous category, which is always where the weird expenses go, that you don’t know where to put anywhere else. So don’t get too don’t get hung up on like, Oh, is this a household? Or is this a Is this a grocery or is this whatever, just if you’re unsure, put it in the miscellaneous category and move on. So when you’re building this picture for yourself, have your fixed expenses and your expected variable expenses over the course of a given month. Don’t forget those weird or regular expenses or yearly expenses. So those might be software subscription, it might be your amazon prime, subscription, or Costco, or maybe car insurance, whatever it is, but just be mindful to go back far enough in your records to identify, identify those irregular expenses. Don’t go nuts, don’t look through a year’s worth of expenses and make yourself crazy trying to find every single one, but try and grab the larger ones that you can remember and see in the records that you were looking through.

Eowyn Levene 19:10
The next key element to budgeting is I’ve touched on it already. But it’s really important to go through this process of closing out the month’s budget and reviewing that spending. And in that process, you make sure you haven’t missed any transactions, and you’ve collected everything and you’ve updated everything for yourself. And then you want to review what your spending was. And for bonus points, you would write down some thoughts about how you’re feeling about the spending, or maybe there was some unusual events, maybe you took a trip and so a certain category of spending went up. It’s good to just remember that or perhaps so in January, I made some extra donations and I just made a note to myself because my donations go in my miscellaneous category. And so I I just made a note to myself to remind myself why there was an extra $70 in that category that there wouldn’t usually have been. So yeah, you’re spending some time just reviewing and thinking about writing down any thoughts that come up, maybe reframing those thoughts, if that is helpful, and then writing any notes that will serve you as you set up future budgets.

Eowyn Levene 20:20
And then the last thing I’ll say is, as you use your budget, and as you set goals for, let’s say, debt payoff or savings, make those goals incremental, and make them realistic. So let’s say you want to reduce your clothing spending. And instead of reducing it, immediately, like cutting it down to a quarter of what it was previously, cut it down by a third initially and see how that goes. So give yourself the grace to make change slowly over time, as that will be the more durable change and really set you up for a sense of accomplishment. And, and just Yay, me! which we all need.

Eowyn Levene 20:59
I want to just do a cash side note here, which is that if you want to go really hardcore with your budget, which I did when I first started, because I felt like I was really late to the game, and I wanted to jump in feet first. And that’s to use the cash envelope system, I’m not going to get into it in too much detail. But this is a system that you use specifically with your variable expenses, such as groceries or entertainment, or pets, something like that. Essentially, what you do is if you’ve allocated $400, for the month for groceries, you put $400 of cash notes into an envelope and you spend from that envelope, you note your expenses on the envelope so that you know where you’re at in your spending. And when you run out of money in that category, you stop spending from that category. Of course, it’s a not an inflexible system, if you really need to, you can pull money from another envelope. So ideally, you know yourself and your spending and your budget well enough that you don’t move money between envelopes. But hey, I mean, we’re all human. But what this does is it calls on two beneficial things. One, most folks have trouble spending cash notes in a way that they don’t want swiping a piece of plastic, and then you also get a very visual experience of spending your money. So you see those notes moving and you’re writing down those expenses on that envelope, you’re just more present with your spending than you are swiping a card. And let’s say you know, sitting down to track your expenses one or two times a week, so that you just kind of more in your spending when you use cash notes. And you actually can adapt the system and use envelopes and a card inside that envelope even if you want to use a debit card only, which is what a lot of folks have done during the pandemic where cash has made less and less sense. That’s the cash envelope system for optional hardcore budgeting.

Eowyn Levene 22:56
And then another optional hardcore aspect is to really do your money work daily. And the cash envelope system sort of implies this. But even if you’re not using the envelope system, taking it to that extra level of sitting down looking at your budget and looking at your spending daily will kind of give you this boost at the beginning of the process, which can really serve you in the long term. Like I said, though, it’s hardcore, and definitely not necessary to use a budget. But it can help.

Eowyn Levene 23:26
So I promised my insight into how specifically to use a budget on variable income, aka my special sauce. And I want to take you through that now. There are a few different aspects to adjusting a budget for variable income.

Eowyn Levene 23:42
One is to build your buffers. So I mentioned those briefly a little while ago. The first is the checking account buffer that kind of mini emergency savings that you have in your checking accounts. So having that there is so important. Next, you also want to build yourself a rollercoaster fund, your rollercoaster fund is in business speak is some working capital. So it’s money that’s just sitting there should you need it to cover your day to day expenses. It’s not an emergency account. So essentially, it’s there because you’re expecting that some months, you’re going to have a different income, and you’re going to need a bit of extra to pay the rent and deal with your bills. So what happens is on in a month, when you do make, let’s say 8000 you in your budgeting process, you’re going to sit down and say okay, 2000 of that is going into my rollercoaster fund. Next month, let’s say you have 5000 in income. In that case, you just put 700 into your roller coaster fund and then the third month when your income doesn’t match what you need to pay your bills off, you’ve put money aside for taxes. You will let’s say pull 15 $100 from that rollercoaster fund to cover your bills. So it’s a Really smart tool and it helps to smooth the rollercoaster of inconsistent variable self employed income. So you want to use those tools, those tools of having that buffer in your checking account and building up a rollercoaster fund for yourself, when you use it, then you replenish it. And if you’re looking at the overall picture of what do you do when in building up stability for yourself, in your personal finances, this is the place to start. Initially, you build a checking account buffer, then you build in a rollercoaster fund for yourself, then you start working on your emergency fund and you go from there.

Eowyn Levene 25:36
The next aspect that really, really helps with budgeting variable income is to budget only for money that is already deposited in the bank, instead of looking ahead and saying, okay, that client supposed to pay me on this day, and that client supposed to pay me on this day. And I expect a deposit of that amount from you know, the amounts that I’ve swiped through square or stripe or whatever you use to accept payments. Instead of looking ahead to the future, you only make plans for what’s already in the bank. So it takes away the guesswork. Having said that, in order to budget only for money that’s already in the bank, you need to be one budgeting cycle ahead of yourself to build your budget. So if you’re sitting down on a Sunday, and you’re planning what you’re going to spend Monday through Sunday, the following week, you need enough money available to you to cover your needs to cover your expenses for that Monday through Sunday that you’re planning for. So preparing for your first budgeting cycle means having enough money to cover those expenses that you’re planning.

Eowyn Levene 26:45
That leads me to point number three, budgeting on a weekly basis means that you need less to get started using this system of only planning for money you already have. Budgeting weekly also just it shortens the cycle, which makes your budget more flexible. You can make changes in your budget more often, which means it can more accurately reflect what’s going on in your life. You’re also assessing how you’re doing and tweaking the numbers in your budget more often, you’re updating your plan more often. So if you think about just in terms of planning your time, it’s a very different experience to plan your time for a week versus to plan your time for a month. And your potential to actually follow through with having made a sustainable reasonable plan is much greater if you are planning in week long periods than month long periods. And it’s the same with budgeting. The first thing I say to people who feel down in the dumps because they’ve struggled with budgeting in the past is to just cut that cycle way back to just budgeting one week at a time, you’re more nimble, you adjust more quickly and you make more progress more quickly.

Eowyn Levene 27:57
So there you have it, those are the three things that really allow you to use a zero based budget, and have it be really successful when you’re unsure what your income is going to be. One is to have those buffers and your rollercoaster fund true is to budget only for money that’s already in the bank. And then three is to budget weekly.

Eowyn Levene 28:18
I will add an addendum though, because I’m feeling my legalese. And that adendum is you need to plan in a smart way for your regular larger expenses. So the largest expenses that I have in a given month is one, the rent on the apartment where we live, and two is the rent on my massage office. So I plan ahead for those things. Every time I budget, I am budgeting a chunk of money to go out to take care of future rent. And in the case of my professional office, I literally move that money to a different accounts. So every time I budget, I set $150 aside into my business paypal account because I pay my business rent through my business PayPal. So as the month goes along, I’m moving money into that paypal account every time I budget every week. And then at the end when the end of the month rolls around. I have enough money that I’ve set aside incrementally. It’s kind of like building your own layaway structure. Do you remember that? So I built in my own layaway structure to take care of those larger expenses. Because if you’re budgeting weekly and you’re budgeting only for money that’s already in the bank, it could be the your income is insufficient for the larger bumps in your expenses when those rents come along. So what you do is you plan in advance for that.

Eowyn Levene 29:38
And then another version of planning in advance for that is using your sinking funds, using your sinking funds to plan in advance for future expenses. So if you budget weekly, you’re not suddenly you have a vacation coming up, you’re not necessarily going to have the one or $2,000 available to pay for your rental car or something along those lines. So you will have prepared in advance for that using and be able to pay in cash by taking what you’ve put aside in a sinking or a bucket fund.

Eowyn Levene 30:07
Alright, there you have it. I’ve covered a lot. So if you’re still with me go you. And then I’m going to just finish up and talk briefly about some of the budgeting advice that I really think you should avoid. Some folks say using a zero based budget or other budgeting system is too complicated, just have three buckets and three percentages, where 50% goes to your necessities 30% goes to fund stuff and 20% you put towards savings and debt payment, for example, I think this is a big No, no, it sets you up for lifestyle inflation, where your expenses grow along with your income. And it also it doesn’t allow for enough momentum. So if you have a lot of debt to pay off, or you really have big savings goals, you might be wanting to be using 40 or 50% of the money available to you to put towards your emergency fund or pay off that credit card. And I think that you need more flexibility than just three buckets. And and you definitely need more flexibility than percentages afford you also ignore any advice that says your rent should be a certain percentage of your income, or you should spend a certain amount of groceries based on your family size, all of those like really dollar specific indications. There’s just not helpful your budget needs to be a reflection of your life and your values. How important are different things to you, and you will plan and spend accordingly. Another thing you’ll hear a lot, especially if you’ve been around folks who follow Dave Ramsey’s baby steps is that your first step in your personal finance journey is to make sure you have $1,000 for emergency. Following that you’re going to throw absolutely everything you have in a really, really strict way towards existing debt aside from your mortgage. So you’re going to wipe out all your credit cards and all your student loan or other debts, any non mortgage debt, you’re going to wipe all of that out before putting more than $1,000 in place for emergencies for yourself. To me, this doesn’t work. It’s not enough aside for emergencies. And to put yourself on a highly restrictive budget and put everything towards debt and go nuts. It definitely has worked for some folks. And we all have to find our relationship to discipline and stringency and cutting out expenses. But be wary of the experience of deprivation and how that can just scuttle all of your efforts around planning your money and spending intentionally. So $1000 is definitely not enough for emergency starter emergency fund really should be at least one month of all of your necessary expenses. Plus a bit of extra in case something unforeseen happens like you need to replace an appliance or your car breaks down or something along those lines. So a minimum emergency fund is ideally at least one month of minimum expenses plus a bit of padding.

Eowyn Levene 33:10
The last thing I’ll touch on is that a lot of advice out there tells you don’t start investing until you have six months of expenses in your emergency account or you’ve paid off all of your non mortgage debts. So again, I think this depends on your life. So if you’re 21, 24, 25, it can definitely make sense to focus all of your efforts on paying off your debts before you move on to other goals or move on to investing. But if you’re 35, 40, 45 years old, and you’ve never put anything into a retirement account, you might want to rethink that and you might want to be pursuing multiple goals at once so that you can take advantage of the compound interest available to you through a retirement account, let alone the various tax advantages that come with investing through a retirement account. So more or less everything that I recommend when it comes to what you do and do not take on from a lot of the common budgeting advice out there is stay true to where you are in life and what your goals in life and what your values are in life. And don’t pay too much attention to dollar specific or percentage specific advice. It can be tempting to be like Ah, that person has the answer. They are very short of themselves they tell me I need to save X amount of dollars or X amount of percentage and there can be that can seem and feel comforting if you’re struggling to figure out the right way to proceed. But in my experience with myself and with clients doesn’t necessarily serve you so stay true to you and to your life and build a budget for yourself from there.

Eowyn Levene 34:51
Okay, we did it we got through so much. So yeah, if you made it this far go you this might not be your first lesson you might have had revisit. Or maybe this all felt super easy and you’re like Yes, I’m ready to go! – which is amazing.

Eowyn Levene 35:05
If you have questions you can always reach out to me either through the Plum Tree Community or just shoot me an email at or find me on Instagram @plumtreemoney I’m here if you have questions or want to just share what your experience has been with budgeting so far or what you’re hoping to implement in the future, I would love to hear from you.

Eowyn Levene 35:29
Special thanks to Michael P. Atkinson for help with producing this episode and for composing its beautiful music. If you enjoyed listening today, I hope you’ll return and tell your creative friends and colleagues about it and also to take a moment to leave a review wherever it is that you listen. positive reviews make a huge difference in getting the word out about creatives do money. And in the meantime, wishing you all money, business and life success whatever that means to you.