Living on an Income Rollercoaster (2009)

Financial planning can be a challenge for people who work seasonally, are self-employed, or rely on commission sales. In this fact sheet, the authors provide tips for maintaining financial stability in the face of variable income.

They suggest that an individual in such circumstances track income for six to 12 months; divide the dollar amount by the number of months to get a monthly average; and lower that monthly average by 10 percent to allow for a safety net.

Other suggestions include using regular income for regular expenses; basing spending plans on income in a lean month; finding a regular source of income, through either a second job or a career change; and expecting the unexpected.

This document was developed by Money Mentors, a not-for-profit credit counselling and money management organization based in Alberta.

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APA citation
Money Mentors. Living on an Income Rollercoaster 2009. Web. 30 Jan. 2023 <>
Money Mentors (2009). Living on an Income Rollercoaster. Retrieved January 30, 2023, from
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