U.S. News & World Report: How to Manage Money Without a Steady Paycheck

Don't put all your money in one account. Kate Holmes, a certified financial planner in Las Vegas who started her own business in 2011, says she divides her income among different accounts and automates her bills.

This strategy may work well since you’ll be less tempted to overspend when an oversized check arrives. "For example," Holmes says, you might put "50 percent into an account for all necessary expenses, like housing, transportation, utilities and food, and then 30 percent into an account for ‘fun’ money and 20 percent toward debt and savings."

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