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Pay yourself a steady wage when your income goes up and down
Some months are brilliant and some are dire, so you pay yourself whatever's left. Get a simple buffer system that gives you the same amount every month.
The prompt · ChatGPT
Help me pay myself a steady amount each month. My last 12 months: [takings and business costs per month] What I need at home each month: [amount] What the business must keep: [tax pot, a buffer for bills] Current savings or buffer: [amount] First ask me up to 4 short questions. Wait for my answers. Then: 1. A steady monthly pay figure based on my figures, with the sum shown. 2. A buffer target, and how many months it would take to build. 3. A monthly routine: takings in, tax pot, buffer, pay, in that order. 4. Rules for a great month and a terrible month. 5. A Google Sheets layout to track the buffer. Planning help only, not financial advice. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts or figures. UK English. Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.
A short example
Fill the blanks, then paste. takings and business costs per month: a short note you already have. amount: a short note you already have. Leave the rest of the prompt as written.
This does not give tax advice. The books stay in the accounting system.
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