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Photo : Viktoriia Hnatiuk ( Shutterstock ) When you’re a player in the gig economy, budgeting can be tough. However, a budget is most important for anyone working with an irregular income. Even if you don’t consider yourself living paycheck to paycheck, it’s a challenge to craft and stick to a budget when you don’t have a predictable salary to base your calculations around. So how do you get started on your perfect budget when the amount you earn keeps fluctuating? Here are our tips for creating a budget when your income varies month to month. Start tracking your income and expenses The first step to creating a budget is to get estimates for the numbers you’re going to be working with. Go through your bank statements and figure out six months’ worth of income and expenses. From there, you can simply divide the total by six to determine your average income and expenses per month. However, that average number is most useful for people with steady income streams. Read on to keep ad...

Photo : NDAB Creativity ( Shutterstock ) Whether you love the single life or can’t wait to be coupled up, one thing is sure: It’s expensive to be single. We’ve previously covered   personal finance tips to take advantage of while you’re single , but the costs of being alone are rarely a result of personal failure. Instead, our economy privileges partnership—specifically marriage, but also in the simple fact that it pays to have a second income. Here are all the ways that being single ends up costing more than being married, and what you can do to save money as a single person. Our economy is not designed to help single people From first- date drinks and takeout for one to no one to help split streaming subscription costs , there are plenty of small-scale expenses that come with being single. But the real penalties of living single are much larger. Writing for The Atlantic in 2013, Lisa Arnold and Christina Campbell found that over a lifetime, it can cost upwards of $1 million ...