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BUDGETING PLAYBOOK
Your Money's Marching Orders
Tell your dollars where to go, or they'll wander off on their own.
Tell your dollars where to go, or they'll wander off on their own.
Simple framework. Split your after-tax income like this:
Rent, utilities, groceries, insurance, minimum debt payments
Entertainment, dining out, subscriptions, hobbies
Emergency fund, retirement, extra debt payments
These percentages are guidelines, not handcuffs. If you live in an expensive city, needs might be 60%. Adjust to your reality.
Every dollar gets a job. Income minus expenses equals zero. Nothing left unassigned.
Savings comes out automatically before you see it. Treat it like a bill you can't skip.
Cash in envelopes for each category. When it's gone, it's gone. Old school but effective.
Every coffee, every subscription. You can't fix what you can't see.
Subscriptions you forgot about. Fees you didn't notice. Food delivery adding up.
Bills, savings, investments. Remove yourself from the equation.
15 minutes a month. Adjust as life changes. Stay flexible.
Build a $1,000 starter emergency fund first. Then work on 3-6 months of expenses.
This is what keeps you from going into debt when life happens. It's not optional.
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