NomadFinancials • Printable planning companion • 15 October 2026
Worked examples below are fictional illustrations. Replace the inputs with your own numbers. This is a manual worksheet, not a calculator or accounting system.
| Item | Amount | Planning treatment |
|---|---|---|
| Housing contribution | $750 | Essential; check actual due date |
| Food and transport | $250 | Essential spending allowance |
| Core business software | $70 | Needed for currently contracted work |
| Optional online course | $180 | Potential deferral before purchase |
| Additional equipment purchase | $150 | Potential deferral if not needed for delivery |
| Total | $1,400 | Before any changes |
| Date / period | Item / assumption | Cash in | Cash out / allocated | Balance / next action |
|---|---|---|---|---|
Do not count transfers between your own accounts as new income. Keep tax reserves and earmarked funds distinct from freely available cash.
Source guide: nomadfinancials.com/budget-when-freelance-clients-pay-late/