Hey there and welcome back to Money made simple — the podcast where we cut through the noise, take the mystery out of money, and give you real-world tools to build a life you actually want to live.

I’m your host, [Your Name], and today we’re taking a deeper look at one of the most misunderstood, overcomplicated, and — honestly — most avoided parts of personal finance: the spending plan.

Now before you sigh and picture a color-coded spreadsheet from finance hell, let me stop you.

This is not that kind of episode.

Because today, I’m showing you how to create a clear, simple, low-stress spending plan — one that actually works, even if:

• You hate math

• You’ve failed at budgeting before

• You have irregular income

• Or you just want a plan that feels like it fits your life

This isn’t about restriction. It’s about intention.

You ready? Let’s get into it.