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Fluctuating earnings make even basic household budgeting difficult and can make planning for things like child care impossible.
The 2008 financial crisis brought about more stringent lending regulations, which have made qualifying for a mortgage more difficult for just about everyone, but especially so for the self-employed with fluctuating earnings and retirees on fixed incomes.
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Some companies favour a stable dividend policy rather than allowing dividends to fluctuate with earnings; the dividend rate will then be lower when profits are high and higher when profits are temporarily in decline.
That rate fluctuates with earnings cycles and with dividend amounts.
Because self-employed workers' earnings fluctuate from month to month, they sometimes fail to meet the minimum figure and lose out.
Because self-employed workers' earnings fluctuate from month to month, they sometimes fail to meet the minimum figure and lose out compared with salaried counterparts.
Everyone applying for subsidies has to estimate his or her 2015 income, which can be tricky for people whose earnings fluctuate.
Analysis by Citizens Advice claims that flaws in the new benefit mean self-employed workers whose earnings fluctuate monthly could receive far less over the course of a year than employees in "traditional" jobs who earn the same amount.
Dividends don't fluctuate the way earnings do.
Depending on how often one is scheduled and how busy shifts are, weekly earnings fluctuate significantly.
In the first situation you buy a stock that is being offered in a randomly fluctuating market and your earnings will be $1,000 if it rises the next week and -$1,000 if it falls.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com