1099 work and budgets

I’ve been a 1099 consultant for almost 10 years and love it. It’s given me the flexibility to be with my kids more and control over my schedule. The only downside is getting paid and budgeting.

I work for a bunch of clients that pay on different time schedules. Some pay me 2 weeks later, while others pay me between 60-90 days later. It wasn’t a huge issue before but with costs rising I’m feeling the pinch. I’m curious how other 1099 workers handle budgets and funds between jobs. How much cushion should I have?

My husband works a full time job and we have a decent amount in savings (60k). I don’t want rely on savings to pay bills and want to come up with a better strategy.