Best household budget percentages4/23/2024 ![]() ![]() Now, you’re going to see me talk about these four categories a lot because all your expenses are contained in these categories. It’s time to sit down and categorize your spending into four buckets. ![]() When there is simply too much a month for your paycheck, there’s a good chance you’re not aware of what your lifestyle actually costs. You know your money matters are out of whack when it feels like you’re starring in Macklemore’s Thrift Shop music video. ![]() This is going to be the foundation of your Conscious Spending Plan. I’m going to help you redirect it to the places you choose, like investing, saving, and even spending more on the things you love (but less on the things you don’t). Instead, we’re going to create a new, simple way of spending. Who wants to track their spending? The few people who actually try it find that their budgets completely fail after two days because tracking every penny is overwhelming. The main issue with it is simple: Human willpower. This is unconscious spending (aka spreadsheet budgeting). How often do you feel guilty about buying something but do it anyway? How many times have you opened your bills, winced, then shrugged and said, I guess I spent that much? That might have worked for them, but it doesn’t work now. When people think budgeting, images of their parents studiously going over receipts, writing down expenses in a notebook, and screaming, “WHY DID WE SPEND SO MUCH ON GAS LAST WEEK?” come to mind. ![]()
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