Question: I'm 24 and living in my parents' home. I'm currently unemployed (since Nov '14) and have $0 current income. I will be starting a contractor position in January. Should I keep my current $0 income and make changes later or must my current application somehow reflect changes that will come about in 2015?

Answer: In estimating your 2015 income, you would be more accurate to use your income from the contractor position as if it would continue for the year. You can change your income later, if you have a significant income change one way or the other.