The Safe Number Blueprint

One number changes how you budget when your income doesn't. A short guide + worksheet for home bakers, Etsy sellers, childminders, casual workers — and anyone else whose paycheck isn't the same twice.

Most budgeting advice assumes one thing: the same paycheck, every month.

If yours doesn't work that way - a home bakery, an Etsy shop, childminding, casual or shift work, or anything else that doesn't hand you the same paycheck twice, this wasn't built for you. Until now.

What's inside:

• A short guide explaining the Safe Monthly Number method — the number your lowest realistic month can cover, not your average or your best
• Step-by-step instructions to calculate your own number using your real income history
• A clear plan for what to do with the extra when a good month happens (most budgeting advice skips this part entirely)
• A fillable worksheet, printable on its own

Who it's for: anyone whose income changes month to month and is tired of budgeting advice that assumes it doesn't.