Budgeting template
Freelancer / invoices
Creators and freelancers paid by project or invoice.
Sample income: 3–4 invoices / month (variable)
Living
40%
Savings
40%
Chop Life
20%
When an invoice lands, split immediately: Living for the month, Savings (tax + rent + buffer), then Chop Life. Average three quiet months into your plan so one fat invoice does not rewrite the budget.
Rent jar
Quiet months kill rent plans — keep at least one full month of rent in a jar before raising Chop Life.