Your Budget is Trippin' – Here’s How to Fix It

Let’s Talk About It… Your Budget is Broken.

Be honest. Do you have a budget... or just a “good intentions” list that you abandon the minute outside opens?

If your budget isn’t budgeting and your money disappears on payday, it’s time for an intervention.

Here’s how to create a REAL budget that doesn’t crumble every time life throws a curveball.

Step 1: Start With Your Non-Negotiables

Forget that fantasy budget where you promise you’ll only spend $20 a month on food (lies). Let’s be real.

Start with what actually has to be paid: ✅ Rent/Mortgage ✅ Utilities ✅ Groceries (for real food, not DoorDash every night) ✅ Transportation (gas, bus fare, etc.) ✅ Minimum debt payments

If it isn’t necessary for survival or keeping a roof over your head, it ain’t a non-negotiable.

Step 2: Track Every Dollar Like It Owes You Money

Do you ever check your bank account and think, “WHERE did my money go?” That’s because you’re spending without tracking.

💡 Solution? A Spending Tracker.

Write EVERY. SINGLE. PURCHASE. DOWN. Even that $2.99/mo Apple charge you forgot about. Every dollar should have a job.

Step 3: Tell Your Money Where to Go (Before It Runs Off)

Newsflash: If you don’t tell your money where to go, it’ll disappear like an ex who owes you money.

Every payday, give your dollars a mission.

• Savings? ✅ Set it aside FIRST.

• Debt? ✅ Pay it down aggressively.

• Fun money? ✅ Only if it’s in the budget.

Stop winging it and start winning with it.

Step 4: Set Up a “Life Happens” Fund

A flat tire, unexpected bill, or emergency shouldn’t send you spiraling.

• Start with just $500 in an emergency fund.

• Grow it over time to $1,000.

• Thank yourself later when life throws a curveball.

Budgeting Isn’t Restrictive—Being Broke Is.

Listen, a budget is not a punishment—it’s your freedom plan. It tells your money what to do so you’re not stressed, broke, and looking confused every payday.

Need a simple, no-fluff way to track your coins?

💰 Grab my FREE Spending Tracker and take control of your money today.

🔗 [DOWNLOAD YOUR SPENDING TRACKER HERE]