How to Budget on Any Income (Without Hating Your Life)

Описание: In this episode, Jonny and Jan break down how to budget without the boring spreadsheets or patronising advice. We share our own budgeting stories, the simple frameworks we use day-to-day, and the key mindset shifts that make budgeting feel like freedom, not punishment.

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Connect with us (via LinkedIn)
Jan:   / jan-watermann  
Jonny:   / jonny-pease  

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Chapters:
00:00 – Why most people waste money
00:20 – What budgeting really means
00:45 – Our personal approaches to budgeting
01:15 – Living below your means = freedom
03:00 – Protecting the money you work hard for
05:00 – The link between happiness and overspending
07:00 – Marketers, dopamine, and buying habits
08:30 – How to start budgeting (step by step)
10:30 – Saving a fixed percentage first
12:30 – Spending on the right categories
14:00 – Where we cut back (food, clothes, going out)
16:00 – Second-hand shopping & avoiding lifestyle inflation
17:00 – Practical framework: track, set goals, automate
19:00 – What not to cut & watch-outs
20:30 – From saving to investing (long-term growth)

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