We will still be roughly $20,000 lower than what dh was making annually

so to snowball we will really have to sell some stuff and double up as much as we can on mystery shopping when it’s available. I got hired by a new company today and my first set of shops with them will be $190 worth of shops next week, IF I am willing to open yet another checking account, but they said this could be an ongoing thing all three of us could shop every month. So…we are considering it.
That being said we are living a much more Spartan lifestyle than we were two years ago, so it should all work out to where I can go back to at least some minor snowballing.
Our budgeting is kind of weird, we will have set fixed income coming in every month from:
SS, IRA and a family member who is paying off a huge debt to us (so far she’s not missed a payment—so far)

Variable income:
Mystery shopping
Quick cash loans
Sales of things
Two tiny royalty checks
Payment from another family member that is not as reliable

So I do both fixed and variable budgets. LOL! Since dh won’t get his first ss check until the 28th and we JUST went on payment plans with everyone I’m still trying to figure out the zero budget with such a weird set up. Our bills will all be fixed, it’s the income that could mess us up—isn’t it for everyone?