The amount I make is pretty much unpredictable. Sometimes I'll make as much in a few days as in some months. And I'm always getting paid a couple months after the work, so... Not something that I could really manage to do myself unless I were to time-shift bill payments by making them late. 
-Renegade
That's actually when I started to do it- when I used to contract. You have to do it a bit at a time, and it takes real discipline. I remember the first time I actually saw the problem- the company told me when I started that I would invoice 30 days after starting, then get paid 30 days after that at the most. So I had 90 days saved up to pay each month as it came. What wasn't accounted for was the time it would take me to get into their system as a vendor - it was a multi-national company, so one vendor they weren't going to go out of the way for, no matter how key I was to this project. 120 days later, I was paid.
A full 4 months... but I received all of the payments for the 4 months at once. I wasn't so far off in my projections- it hurt, but it wasn't so bad. So I put money aside, and I paid an extra month on a few of my bills. Each month, I did that, taking it out of my discretionary money, and by the time a year had passed, I was very near ideal.
I don't think that most people could do it all at once... but a little at a time with discipline and it works.
Which reminds me of the other big thing to time-shift... vehicles. I never buy new vehicles, but always get them 1 or 2 years old at the minimum. I've also been trying to stretch the life of my vehicles so I can put the payments towards the down payment on the next vehicle. Hopefully, one day, I'll be paying cash for vehicles instead of financing them
Recent Posts
) in the summer. 
