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part of step 2 – capturing your irregular income

In addition to your regular income, there are occasional and pleasantly surprising irregular sources of money that pop up from time to time. The following sources of income are possible:

  • Earned Income
    • e.g., commissions, royalties, variable salary components
  • Private Payments
    • e.g., monetary gifts
  • Refunds
    • e.g., taxes
    • e.g., health insurance or other insurance benefits
    • e.g., utilities such as electricity, gas, water
  • Income from Assets
    • e.g., interest, dividends
    • e.g., realized capital gains

Please check whether these income sources apply to you and make a note of them with the expected amount.

Since the occurrence of irregular income is generally not reliably predictable, you should only factor them in when they have actually occurred. You are allowed to use or plan with these amounts only when the money is truly in your account or wallet.

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