How do I build a budget around an unpredictable gig-economy income?

Gig income swings week to week, so budget from a conservative average, not your best haul. Deposit all earnings into a holding account, then pay yourself a fixed 'salary' into your spending account on a set schedule, smoothing the lumps. From each deposit, immediately set aside a percentage for taxes, since gig work usually has no withholding and self-employment tax applies, plus a slice for irregular income months. Build your spending plan on your lowest realistic monthly income so essentials are always covered, and treat higher months as chances to refill the buffer, save, and invest rather than upgrade your lifestyle. A larger emergency fund, aim for the higher end of the recommended range, cushions the unpredictability. Model your income floor in the Budget Analyzer at wealthserene.com/tools/budget-analyzer.