Assess learners' ability to develop and adjust a personal monthly budget under variable income conditions. Test skills in distinguishing fixed versus flexible expenses, estimating baseline income from historical data, building an emergency buffer and variable-income reserve, prioritizing expenses, and using simple scenario calculations to adapt allocations for income drops or windfalls. Include tasks such as computing budget proportions, revising allocations for a 20% income reduction, and proposing short- and long-term adjustment strategies.