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    How to Budget Without a Budget

    1. Kalee

      November 30th, 2016 at 4:23 pm

      I love this type of budgeting! I have an inconsistent income working for myself so figuring out our needs, saving goals and then the other extras really helps. Plus I don’t have to drive myself nuts nickel and dime-ing each day.

    2. Stefanie

      November 30th, 2016 at 4:26 pm

      Same. I just subtract my make or break number from my last months’ income to know how I much I have to leftover to spend on the fun stuff 🙂

    3. Syed

      December 8th, 2016 at 3:19 pm

      This is awesome Stefanie. Kinda similar to what I do but you added some memorable terms!

      I used to use a budgeting software a few years ago and while it was empowering in the beginning, it just got really tedious after a while. And I’m the type of person that needed every dollar accounted for so if things didn’t match up I would spend tons of time looking for the discrepancy. Not very efficient!

      After using the software I found I had a decent amount of money left over each month, so I worked backwards by setting my savings goals and making them automatic every month. Anything left over I could do whatever I wanted with. Much less hassle than using a line item budget.

    4. Stefanie

      December 8th, 2016 at 3:23 pm

      Agreed. Line item budgets can be so tedious. I think what’s most important is that everyone find the system that works best for them, instead of giving up when one method doesn’t work.

    5. Beginner Financial Planning: Where Do I Start?

      March 4th, 2018 at 4:49 pm

      […] surpass the make or break number is the only way to start making progress. If you haven’t read how to budget without a budget please do that first – that is step one. This post is about what you do in step two – […]

    6. Where to Start Investing When You're Broke

      March 30th, 2018 at 12:29 pm

      […] note: If you’re struggling to find cash to invest, check out How to Budget Without a Budget, and learn to prioritize financial goals so that they become as non-negotiable as your […]

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