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.
| Category | Examples to review | Decision needed |
|---|---|---|
| Essential | Housing, basic food, necessary utilities, required business systems | Confirm amount and actual due date |
| Adjustable | Optional software tiers, discretionary owner spending, nonessential advertising tests | Check whether savings start this month |
| Deferred | Uncommitted equipment upgrades, optional courses, cosmetic site work | Choose a new review date |
| Protected obligation | Money already assigned to taxes or binding commitments | Keep separate; resolve any change properly |
| Plan item | Original | Revised | Current-month reduction |
|---|---|---|---|
| Essential personal transfer | $2,200 | $2,200 | $0 |
| Essential business costs | $650 | $650 | $0 |
| Flexible business spending | $300 | $100 | $200 |
| Optional equipment saving | $250 | $0 | $250 |
| Total | $3,400 | $2,950 | $450 |
| 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/freelancer-slow-month-budget/