A self-employed therapist with an irregular monthly income uses budgeting to create a consistent plan for short-term financial goals.
Add in my fast-growingcredit-card debt, and my finances were feeling particularly out of control.
Consistency has never been my forte when it comes to money.
That left me with one less business expense each monthmeaning extra funds to devote toward my personal card.
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While, before, that numberwasmy weekly goal, I would rarely hit it.
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Im not deviating from that monthly payment goal, and I dont feel like Im depriving myself either.
In our session, Viktorin explained how aSEP IRAmight benefit me as a self-employed person.
After looking further into it, Im planning to switch my savings from a Roth to a SEP IRA.
As told to Erica Sloan.
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