How to Budget for Your Life

Most of us get paid into one current account all savings and regular direct debit bills come out of that account so you know what you're going to have to pay. Set up standing orders or direct payments direct payment to go into Isis pensions or whatever obviously leave enough in that term bills account to pay all the rest of your direct debits for the month transfer the balance into another spending account and then budget that account. What if you're paid irregularly like commission over time stuff like that? The easiest way to get around this is to have a kind of a buffer in place  so it's not quite an emergency fund it's a buffer account.