The buffer and the money day

Education, not personalised financial or tax advice. Rules change; check the linked official source for your country before acting.

Alex billed $9,800 in July and $2,100 in April. Both were real months of real work — the April dip wasn't a slow month in any way he could have prevented, just a gap between two client projects ending and starting. The problem was never the swing. The problem was that he found out how big it was the same week rent was due, because nothing was set aside to catch it.