The budget for the worker who has no field income

Not all people can receive salary like people who work for the company. Sometimes, they get money each three month. For example : The farmer who plant corn, sorghum, paddy rice can get money after harvesting the cerelia. It need at least three month.
Due advanced technology, some surfer prefers to work as the freelancer. They can get some project on internet. They will be paid after the project has done. Sometimes the employer does not pay them because they do not satisfy with the project or they may fraud you. They said that your work is bad whereas they use your work.
As the freelancer, you have uncertainty cash flow. Therefore, you have to create a budget that is specific for instable income. These are the steps:
1. List all expenses
The freelancer must have expenses too though they cannot make money every month. List the fixed spending such as debt, mortgages or house rent, income tax, insurance, food, and else. Do not forget to list semi fixed spending such as electric bill, heat bill, internet bill, cable tv, cloth, and so on. Sum all of  the month spending.
2. Sum the income that you might receive next month. You may get the benefit from service fee, royalty, consultant fee, and others.
 Alternatively, you count the income that  you receive last year than divided by 12. It can smooth your revenue.
Do not list the income too optimistic. For example, you will receive hundred percent of your project that you have done last month. Some boss may pay you next month but some other may not pay you. Some client want to pay you but they want to pay it next month. You have to compute the income carefully.
3. Compare the income with the spending. If the income is higher than the spending, you can allocate the excess to the saving or investment post. You can also buy something if you need it.
If, on the other hand, your spending is higher than income, you need to reduce the spending. Alternatively, you borrow the money from other. By borrowing money, you can fulfill the daily necessity for temporary. It is not good to add the debt, remembering the high interest that you should pay. The better ways to make your budget balance is reduce the spending. As a freelancer, you need to trim down any spending due you do not have fixed income.
Read Also :
Disadvantages of Budget
Personal Budgeting Concept
Pros and Cons Budgeting your Money

How to budget to saving

Due to high uncertainty recently, we should create a budget to saving. There is high possibility that some company may fire some employee and it may be you. product price could increase over many times that you can guess before. The cereal, meat, eggs, fish and other food could increase that load the family. If they save money, they can overcome the bad situation like that.
We are should save to side the uncertainty. Create a budget to save is a first step to save your money. Here are the steps to make budget:
1. List all your spending every month. My mother used to record the spending in book or notes book. There are spreadsheet that can be used to list all of our spending.
There are the spending types, such as monthly spending, and yearly spending. For yearly spending such as taxes,vacation, college fee, and others, you should divide the amount money with the amount of month in a year. It makes your spending smooth.
Trim down some spending if possible. It can save your money. The rule of thumb budget is that spending is 60% of our income. However, for the employee whose has little salary cannot apply the rule of thumb.
If your spending percentage is higher than 60%, you are better to reduce the spending. A mom should clever to reduce the spending in tight economic. They can limit to buy grocery, buy cloth, or some else. Why do not use some generic brand to reduce the spending. There are lot things you can do to reduce the spending.
2. List all of your income.
Most employee has salary from their boss. Record how much salary that you can receive from the office.  Do not forget to include the bonus and other tips from the office. The employee work hard until night right to get more money. 
If the employee has other source income, they can include those income. The other income may help people to save. The excessive money we can use for spending and saving.
3. Allocate the money for saving
Saving is the spending today because it can reduce your money in wallet. However, the money just shift to other place such as cash box, precious metal, stock, and others.
Some people said that we can save 40% of our income. For people who earn little salary, they can reduce the percentage of income and reversely.

Read Also :
Disadvantages of Budget
Pros and Cons Budgeting Your Money
What is Passive Income 

Personal Budgeting Concept

To manage the cash flow, some people create a budget. The budget helps people to track where the money go and where the money come from. Most government, municipal, organization also create budget to manage the organization finance. They afraid they missed some spending or income.
Creating a budget is not difficult. You need to understand the budget concept. Here are some concept about budget:


Purpose
Supposedly the budget has purpose. The creator must know what the budget for. Most budget are made for living frugal. He or she should recognize the income and the spending.
The purpose is a corner stone to create the budgeting.We can allocate the income to some spending post. For example, we want go outside. We should allocate our income for vacation that needs thousand dollars. The creator can set on how long we plan to vacation. Perhaps we want go to vacation next three years.
Simplicity
The budget must be simple and you know what the mean of your budget. You can create the budget that different with other people as long you understand about it.
Use the spreadsheet software such as Microsoft excel or open source spreadsheet. Write your revenue items on the top of the spreadsheet and sum of all revenue. You can write the spending below or the following the revenue. Compute all of spending. Last, Diminish the revenue with the spending.
Flexibility
A budget must not be straight. It must be flexible to pay the unexpected spending. For example, we have set the cereal spending a thousand dollars a month. Unfortunately, the cereal price increases 10 percent. Reduce our cereal spending is not reliable you and your family will starve. That is why you have to pay the cereal and use money from other post such as leisure, and saving. At the end of the month, you can evaluate the cereal spending.
Budgeting for irregular income
Some people has irregular income that they can get anytime. The freelancer work usually generate irregular income. They cannot predict how much money monthly. Sometimes they do not get any money but sometimes they get so much money. The budget also consider irregular income that can balance the spending.
For freelancer, they can compute the average of income in a year. Sum of all revenue in a year and then divided with twelves ( the amount month in a year).