All over the world, there are people just like us who have a different income one month to the next. The self employed, sales people, people who have on target earnings, people working on zero hours contracts, and month to month, there are good times and bad times. So, how do we budget for that? You may have set up your own business, you may have had to take any job, even if it’s insecure, just because that’s all there was at the time. I’ll give you the scenario first. Each month, we do our work and we invoice for that. We get the money in the next month. We earn money in January, we get that money into our accounts in February and we have to live off that money, and save what we can in March. Also, we only get paid when we work so if we are …