10/28/2026
How to prepare financially for a slow season. 💰 Commission, small business, fewer winter shifts, or clients who disappear in December: a slow season is predictable. If you know it's coming, it is not an emergency.
1. Look back at last year and mark your slowest months.
2. Add up your must-pay bills for one of those months. That's your baseline.
3. Pick a set-aside amount from every good month and move it to a separate savings account.
4. Pause one or two flexible expenses before the slow months start.
5. Pay yourself a steady amount from that account when income dips.
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