A Simple Guide to Managing Money Without Becoming Obsessive
Money management fails when it becomes complicated. Keep it simple.
The 3 bucket method
- Essentials: rent, bills, food
- Goals: savings, debt, investments
- Lifestyle: everything else
Automate what matters
Automate transfers to savings. If it depends on discipline, it will eventually fail.
Use a weekly check-in
Once a week, 10 minutes:
- What came in
- What went out
- What needs attention
That’s it.
Money should support your life, not dominate it.