She expects to earn around pounds 16,000 in her first year. Her main costs include pounds 300 rent (before bills) and pounds 40 a month on phone bills, including her mobile. She lives quite frugally and usually has a few hundred pounds over each month. She has savings of pounds 5,000.Now self-employed, Rachelle wonders how she should save, bearing in mind that her income is likely to fluctuate, so financial commitments may be hard to sustain.