If you can create a budget based on the minimum you will earn , do that . Otherwise , base it on the average . And on months you earn more , put that into savings for the months you ' ll earn less . <| sep |> You are using BTR to determine if someone is a good player which is dumb since it factors in total play time total kills , total score etc . You have over 2 days extra play time on me . But have worse KD , SPM , WL , Skill . You say I ' m KD whoring but what do you have to back that up ? I ' m clearly playing the objective with my 1000 SPM and it must be helping my team since I ' m winning almost 70 % of games . KD whores usually have high KDs and low SPM and WL since they don ' t help the team to pad KD . It sounds like you don ' t really know what you are talking about .