How to Budget Without Feeling Broke

Let’s be real: budgeting sounds boring, restrictive, and honestly a bit overwhelming when you’re just trying to survive the week. But what if we told you it’s not about saying “no” to everything fun — it’s about saying “yes” to what matters most?

Here’s a super simple way to get started: the 50/30/20 Rule.

• 50% of your income goes to needs — rent, food, bills, transport.

• 30% goes to wants — eating out, shopping, subscriptions.

• 20% goes to savings or paying off debt.

That’s it. You don’t need a spreadsheet or a finance degree. Just knowing what’s coming in and where it’s going makes a huge difference.

Want bonus points?

• Set up two bank accounts: one for spending, one for savings.

• Automate a small transfer every payday (even $10 is a win).

• Use a free app like Frollo to track where your money goes.

Budgeting isn’t about cutting out your life — it’s about giving yourself freedom. Because knowing you’ve got your bills sorted and a little buffer saved? That’s peace of mind money can buy.