Once you know your baseline and have a holding account, you can pay yourself a steady amount, just like a paycheck, no matter what came in that month.
How
- Set your paycheck at or a little below your baseline
- Move it from holding to spending on the same day each month
- In good months, the extra stays in holding
- In lean months, holding covers the gap
- Once holding has one to two months' paychecks, consider raising your paycheck or saving more
See an example
Our steady pay plan walks through six months, step by step.
General educational information, not financial or tax advice. Little by Little Cash isn't paid by any lender, app or gig platform.