Pay Off Debt or Save for a House? How to Budget Irregular Income w/ Cheryl | 629

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Hey, budget besties! 💕

What happens when your income changes every month, but your financial goals stay the same? How do you save for a house, pay off debt, and still enjoy your life when some months bring in plenty of money and others are a little tighter?

This week, we're chatting with Cheryl, who has been using our Simplified Budget System to get her spending under control (especially groceries and dining out!). Now she's tackling her next big goal: saving another $10,000 for a house down payment while managing an inconsistent income.

And here's the twist: Cheryl is also working toward paying off her credit card by January. So should she keep throwing extra money at that debt or switch gears and start stacking cash for her dream home?

We're breaking down how to make those decisions without overcomplicating your budget.

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