Managing cash flow can be a handful for anyone, but especially for people with weird jobs. Cash flow is the money that comes in and the money that goes out, and managing it is fundamental to every other financial decision you make. Today I share three low-tech, super simple techniques that anyone can use at any income level to manage cash flow – and all without the use of a budget.

Key Takeaways:
Budgeting is great for some people, but for others it can be a lot of work without a lot of payoff.
The cash flow equation is income = spending + saving. You can use any part of that equation to improve your cash flow.
Saving a lot of money makes the other parts of cash flow easy.
You can use a target maximum checking account balance to quickly let you know when to save and when to pump the brakes on spending.
A one-month spending fast is an easy way to reset your spending expectations and save money.

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Easy Budgeting: 50/30/20 Budget
Foundational Money Habits 2: Saving