A practical digital SOP for households whose income changes from month to month. Instead of building your budget around your best earning month, follow a clear process to map income patterns, prioritise essential bills and plan for irregular costs. The kit also helps you think through how to protect reserves and adjust spending when income is lower, so you can make decisions with more confidence. Use its practical guidance as you organise your household finances and adapt your plan to your own circumstances. It is designed for online use, with no physical items or shipping.