Your income looks decent on paper. But by mid-month, you're checking your balance more often than you'd like. Sound familiar? We've built a budgeting method that actually works with how you live, not against it.
See What You'll Learn
Most budgeting advice treats everyone the same. We don't. Because what works for a single professional won't work for a family with kids, and vice versa.
No judgement about your spending habits. We begin by looking at where your money actually goes right now. Then we figure out what needs to change and what doesn't.
Some people love spreadsheets. Others prefer apps or even just a notebook. We'll help you set up a tracking method that you'll actually use beyond the first week.
Car repairs happen. So do birthday gifts you forgot about. Your budget should flex when life does, without falling apart completely.
You'll track everything for 30 days. And I mean everything. It feels tedious, but this is where most people have their "oh, I didn't realize" moment about their spending patterns.
Now we build your actual budget. Not some ideal fantasy version, but one based on real numbers from your tracking period. We'll test different allocation strategies until something clicks.
This is about maintenance and dealing with disruptions. Holiday spending, annual expenses, income changes. You'll learn how to absorb these without panic.
I was earning decent money but somehow always broke by the third week. Turned out I was spending nearly $400 a month on subscription services I barely used and lunches that added up faster than I thought.
Cut unnecessary subscriptions, started meal prepping twice a week, and built up a three-month emergency fund. Still treating myself, just doing it consciously now.
With two kids and a mortgage, I felt like we were just surviving month to month. The tracking phase was eye-opening. We were spending way more on kids' activities and convenience food than our income could really support.
We prioritized which activities the kids actually enjoyed versus what we thought they should do. Planned our meals better. Started saving for family holidays instead of just wishing we could afford them.