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

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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Watch this next 👉    • Stock Market for Beginners: How To Invest ...  

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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