How to Manage Finances When Your Income Isn’t Steady

One of the biggest challenges for mums in business is managing money when income fluctuates. Some months are great, others feel like a struggle — and that uncertainty can create huge stress, especially when you’ve got family responsibilities on top. The good news? There are strategies to help you manage finances with confidence, even when your income isn’t steady.

1. Separate Business and Personal Finances

The first step is creating clear boundaries between your business and personal accounts. This makes it easier to track income, manage expenses, and avoid confusion.

2. Pay Yourself a Regular "Salary"

Even if your income varies, aim to transfer a set amount from your business to your personal account each month. This creates consistency for your household budget and reduces stress.

3. Build a Buffer Fund

Aim to save a small percentage of your income in a separate account each month. Over time, this buffer can smooth out the ups and downs, giving you security in leaner months.

4. Know Your Numbers

Regularly review your business finances: what’s coming in, what’s going out, and what’s forecasted. Awareness helps you make smarter decisions and reduces the anxiety of the unknown.

5. Get Support

If numbers aren’t your strength, consider outsourcing to a bookkeeper or accountant. Just as you’d outsource design or admin, financial support is an investment in peace of mind.

Fluctuating income doesn’t have to mean financial chaos. With systems, boundaries, and a buffer, you can build stability that supports both your business and your family.

👉 If you’re ready to design a business that fits your life and feels financially sustainable, our From Idea to Income programme will help you build the right model for you. Find out more