How to Make a Budget With a Commission Income

List your set monthly expenses in one column. These are your necessities, including food and gas for your car. Create a second savings category where you will put money each month to cover your low months. Finally, list your luxury expenses in a third category. These expenses may be eating out, clothing and entertainment -- expenses you can manage without if you needed to for a month or two.
Take the total amount you make in a year and divide it by twelve. Your entire budget should be equal to this amount or a bit less to cover your expenses. Look at your lowest pay period for a month. You need to set aside money to cover the difference for this month and other low months.
Look at your pay periods and determine how many of the months are equal to or more than your set budget. Then determine how many are less than that amount. Add up the amount you are short for all of your lower income months. Divide that amount by your good months. You need to contribute that amount to your savings category to cover your low months before you spend on luxuries.
Compare your commission for the next month with your current budget. Assign each expense listed an amount until you run out of money. Contribute to your savings before you spend on luxuries. If you fall short, transfer money from your savings category to cover your necessities for the month and do not spend on luxuries.
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