Budgeting will change based on your goals, income, spending and saving. When you know there's a big expense coming up, like saving for a trip or down payment, I call that expectant budgeting. When there's not as much income coming in but you still have the discipline to stick to a budget (go you!) I call that a lean spending budget. And when you know that saving can be kicked up a notch to achieve a big goal, I call that a full savings budget. So let's figure out which one you're in!

We also discuss why budgeting is only part of the equation, and how we can keep our spending in check by remembering worldwide incomes. Spoiler alert, Norway has a pretty high average income.

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