{"id":226,"date":"2026-09-04T13:28:45","date_gmt":"2026-09-04T11:28:45","guid":{"rendered":"https:\/\/cursiqa.com\/en\/?post_type=product&#038;p=226"},"modified":"2026-09-06T07:30:25","modified_gmt":"2026-09-06T05:30:25","slug":"irregular-income-system","status":"publish","type":"product","link":"https:\/\/cursiqa.com\/en\/product\/irregular-income-system\/","title":{"rendered":"The Irregular Income System"},"content":{"rendered":"<h2>$11,000 in March. $2,400 in April. Same rent both months.<\/h2>\n<p>Budgeting advice assumes a salary. If your income arrives in lumps &mdash;<br \/>\nfreelance, 1099, commission, gig work &mdash; the standard advice quietly<br \/>\nfails, and the usual result is a feast-and-famine cycle plus a tax bill that<br \/>\narrives as a surprise. The irregular income system turns those lumps into a steady monthly salary, tax reserve included.<\/p>\n<p>This system fixes the structure rather than your willpower: the business<br \/>\nabsorbs the volatility, and your personal life gets a fixed monthly<br \/>\npaycheck.<\/p>\n<h3>How it works<\/h3>\n<ul>\n<li><strong>Business operating account<\/strong> &mdash; the only account clients<br \/>\npay into. Every payment is split the day it lands.<\/li>\n<li><strong>Tax reserve<\/strong> &mdash; a percentage of every dollar, moved<br \/>\nimmediately. It is not your money.<\/li>\n<li><strong>Buffer<\/strong> &mdash; what pays your salary in a month when<br \/>\nrevenue falls short.<\/li>\n<li><strong>Personal account<\/strong> &mdash; the same amount on the same date,<br \/>\nevery month.<\/li>\n<\/ul>\n<h3>What&#8217;s inside<\/h3>\n<ul>\n<li><strong>38-page workbook<\/strong> with 13 worksheets across 4 parts<\/li>\n<li><strong>11-tab tracker<\/strong> for Excel and Google Sheets<\/li>\n<li>Baseline built from your <strong>three worst months<\/strong>, not your<br \/>\naverage &mdash; the difference between a system that survives a slow quarter<br \/>\nand one that doesn&#8217;t<\/li>\n<li>Two-level spending floor: survival and comfortable, so you know exactly<br \/>\nwhich one you are defending<\/li>\n<li>Full tax chain: self-employment tax, the deduction for half of it, taxable<br \/>\nincome, federal and state, and the reserve percentage that follows<\/li>\n<li>Quarterly estimated payments and safe harbor explained in plain English<\/li>\n<li>A rate floor calculation &mdash; the number below which taking work<br \/>\nactually costs you money<\/li>\n<\/ul>\n<h3>Why the tax rates are not built in<\/h3>\n<p>They change every year. A file with 2026 rates baked in would be quietly<br \/>\nwrong from January and you would not notice. Instead the tracker teaches you<br \/>\nthe <em>structure<\/em> of the calculation and you enter the current year&#8217;s<br \/>\nfigures. It stays correct for as long as you own it.<\/p>\n<p><em>This is an educational and organizational tool, not tax or financial<br \/>\nadvice. Tax rules vary by state and situation. Use it to get organised, then<br \/>\nconfirm the specifics with a tax professional.<\/em><\/p>\n<h3>What the irregular income system includes<\/h3>\n<p>The irregular income system is a PDF workbook with an editable spreadsheet. It sets your expense floor, sizes the buffer you need, holds back a tax reserve automatically, and converts unpredictable deposits into a steady monthly salary you can plan around.<\/p>","protected":false},"excerpt":{"rendered":"<p>Pay yourself a steady salary from unpredictable income. A 38-page workbook and an 11-tab tracker that set your baseline from your three worst months, reserve tax automatically, and carry you through a slow quarter.<\/p>","protected":false},"featured_media":222,"comment_status":"open","ping_status":"closed","template":"","meta":[],"product_brand":[],"product_cat":[63],"product_tag":[],"class_list":["post-226","product","type-product","status-publish","has-post-thumbnail","product_cat-finance-pricing-systems","first","instock","downloadable","virtual","sold-individually","purchasable","product-type-simple"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"An irregular income system for freelancers: set an expense floor, hold a tax reserve, and pay yourself a steady salary from income that arrives unevenly.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<link rel=\"canonical\" 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