Yes. I dislike it, though it doesn't phase my husband. He is (and we have both been in the past) a gardener so income is variable season to season as well as year to year. Luckily, for securing low-income health care, etc, it's been easier in the last five years to use a yearly income. Before it was a struggle to make them understand that a snapshot of our income from April to August (our highest earning months) is not a fair assessment of our needs.
Our income can fluctuates up to 10K-12K per year. I can expect at least 5K-8K each year. I hate it.
Maybe I would like it better if we could actually save money, or even make more money, but no. Maybe it would be better if I wasn't a walking sack of nervousness. But this is definitely one reason why I'm seeking a career change. I want to be able to know what I'm bringing in each month. I want 11 months out of 12 (rather than 6 months out of twelve) to be in the black. I have one steady job (with variable hours) and that's better than when I was trying to pull in clients, like my husband still does. I'd prefer to have something more reliable, and I'm going to be looking for that.
But I suppose this is not necessarily the experience of others with variable incomes.
Anyway, I suppose after 20 years I've achieved a certain level of acceptance. Maybe it doesn't stress me out as much as I think, relative to the reality of it. We get by. We own our house. We own our vehicles. Our credit is stellar, and we have no debt outside property and school loans. I'm sure there are a few tricks I've learned to manage this kind of life.
"She is a mermaid, but approach her with caution. Her mind swims at a depth most would drown in."