Dear Ruchi, I really love being self-employed and freelancing has given me a brand new outlook on my career. Though I am happy, the financial aspect can be tricky. From month to month my income can vary by a lot and sometimes I worry that the inconsistency will put me in a scary place. How should I be planning for the future, saving for emergencies, etc. when I’m not always sure what my bank account will look like each month?