No-Budget Budget

About

The No-Budget Budget is a financial management approach that simplifies budgeting by focusing on two primary numbers: monthly income and required expenses. It is designed for individuals with stable incomes who consistently earn more than they spend. This method eliminates the need for tracking every purchase or categorizing expenses, making it ideal for those who dislike traditional budgeting or struggle with maintaining one. To implement a No-Budget Budget, calculate your post-tax monthly income and subtract your fixed expenses, such as housing, utilities, and debt payments. Automate your savings and bill payments to ensure financial stability. The remaining balance is disposable income, allowing for flexible spending without strict categories. This approach reduces stress and time spent on budgeting while maintaining financial discipline. It is not suitable for those with variable incomes or significant debt issues.