If your income is erratic, make use of STPs to continue investing regularly

I work in the entertainment industry. My monthly income varies a lot. In some months I get paid lakhs of rupees and there are months when no money comes in at all. I still manage to earn more than Rs15 lakh a year. In such a scenario, how should I plan my investments in mutual funds as I fear that in some months my systematic investment plan (SIP) instalments may not get debited due to lack of funds in my bank account. I can save nearly Rs5 lakh a year but there can still be months when there is no money in the bank. I have no near-term financial goals. Kindly advise.

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