I think Rule #1 is far more important: Give every dollar a job. Basically, when you get money, decide what you are going to do with it right away. If that means saving for an emergency, like a lack of inflow, then it should go there.
I've been using YNAB for a couple of years now, and it's definitely changed the way I think about money, but I would use it much differently if I had the variable income of a freelancer. YNAB actually wrote an article[1] about living on a variable income which is quite informative.
I've been using YNAB for a couple of years now, and it's definitely changed the way I think about money, but I would use it much differently if I had the variable income of a freelancer. YNAB actually wrote an article[1] about living on a variable income which is quite informative.
[1]: http://www.youneedabudget.com/blog/2011/slaying-the-variable...