DH and I are both self-employed and our income varies from $0!! to $10k(at which point lots of bills are piled up) per month(anywhere from 30k-50k per year). A few months ago I saved 1k e-fund and paid off 2 cc bills totaling another 1k and then had to use all that money in the e-fund to pay bills after I ran out of money. Basically we went 7 months this year waiting on pay then getting just enough to cover and back to waiting again. I now have the e-fund built back up and desperately need to control budget categories(groceries, misc, household, clothing, kids activities, and DH lunches), But I never know if I can take out wads of cash. We are not good at this. At. All. Help! I have some money in the bank now, but I am basically having to choose 2 bills to pay and let the rest wait. I don't have any late right now, but I just try to get everything for the month paid up asap and then start on the next month. Sometimes I have bills paid up 2 months out, but may not get paid more money for 3 more months. I have no idea if any money is "extra", you know? Usually I just spend whatever on whatever I need, having a vague idea of what I can spend. How can I allocate a few hundred dollars to a certain category?? I really really want to make this work. I love to have a plan, boundaries, rules...which I can't have if I have NO CLUE when we will be paid again or how much that will be.