In the grand scheme of things, income is rarely stable even if you're paid a regular salary. And was that a big "Amen!" I just heard from the freelancers and independent contractors as to how true that statement is?

While we've talked a lot about budgeting a time or two already there's no time like the present to review the concept but this time with a bend toward those aforementioned Amen-ers.

But don't check out just yet, salaried people! You might just find these five steps useful in helping you sock away that extra emergency cash you've been wondering where to find and how to save up.