Feast-and-famine income turned into a steady monthly salary — the account structure, the percentages, and where every pot should live.
- £25
- 7 modules
- Updated at every Budget
- 30-day refund
Every budgeting method assumes a payday. Freelance income does not have one, which is why the usual advice fails the moment a client pays six weeks late. The fix is not discipline. It is structure: a salary set from your worst recent stretch, a split applied the day money lands, and a written plan for the bad quarter that you write while things are fine.
This is the shortest, cheapest system on the site and the one that stops the feast-and-famine cycle. It covers where each pot should live, the tax on business savings interest, and the difference between an account that is FSCS-protected and an e-money account that is merely safeguarded, which people find out about at exactly the wrong moment.
What’s inside
- The two numbers everything hangs off — your personal floor and your business floor
- Paying yourself a salary set from the trailing twelve-month low, not the average
- The percentages, moved the day the money arrives rather than at month end
- Where the pots live: easy access, notice and fixed, and the tax on business savings interest
- FSCS protection is per authorised firm, not per account — and an e-money account is safeguarded, not FSCS protected
- The drought protocol: a written three-stage plan for a bad quarter, including the pot you never touch
- The surplus waterfall for a good year
The templates
A trailing-twelve salary calculator, a day-it-lands allocation split, an FSCS licence checker, a fill-in drought plan, and the monthly money-date checklist.
How you would actually use it
Work out your two floor numbers, personal and business, then let the calculator set a salary from your trailing twelve-month low rather than your average. From then on every payment is split the day it arrives, using the allocation sheet, and the drought plan sits in a drawer with three stages already decided. The monthly money date is a fifteen-minute checklist.
Buying more than one? All ten 2026/27 courses, 262 pages and 44 templates, are £119 against £328 at full price. See the full course list.
Not for you if: you want investment advice or product recommendations — this is about structure, not what to buy.
Straight answers
Is this investment advice?
No. It is about structure and accounts, not about what to buy. Where the pots live is discussed in terms of access, notice and protection, not products.
How many bank accounts does it assume?
The system works with one business account plus savings pots, or with several accounts. The allocation split is the same either way.
What if my income is very lumpy, with one big client?
That is exactly the case it is built for. The salary is set from the low stretch, and the surplus waterfall decides what happens when a large payment lands.
Does it cover the tax set-aside?
Yes, as one of the day-it-lands percentages, with the payments-on-account timing built in so January does not arrive as a surprise.
General information, not tax or legal advice. Figures checked against HMRC and other primary sources at publication — see our editorial policy.