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.