<prompt> Human: I am paid monthly; the last day of each month. I pay mortgage, car payment, car insurance and student loan bills. My husband is paid weekly, and his hours vary each week as he does trade work- HVAC. Sometimes he will get 10 hours, sometimes he will get over 45 overtime, time and a half. We are young and really need to start a budget. Ive tried this before but due to his seriously random schedule its hard to tell when to pay the utility and credit card bills, how much for savings, etc. We have some debt and would like to have a plan to get it paid off including credit card with 24 interest rate...whew. Stupid emergency decision. Ive tried YNAB but since he doesnt always bring in the same amount, its really difficult. Does anyone have any advise from personal experience? We need to decide what paychecks pay what bills. Because of his pay, not all can be paid on time, which is definitely hurting our credit.  <response>: I can see 2 ways to handle this:1. Get 1 month ahead so youre living off of last months salary. This will allow you to know each month how much income you have to live off of.2. Establish a hillsvalleys account. This is where you figure out his average hours and live off of his average hours wage. Anything above the average gets put into a savings account for when you are under average.Either way live frugally until you are in a better place. Just reducing expenses will help! 