If you’re creating a budget without categories, you’re missing the entire point — and setting yourself up for frustration. In this episode, we flip the script on budgeting and show you how to use intentional categorization to create a flexible, values-driven money map that actually works.

We share practical tips for making your budget reflect your real goals — not just your bills. Plus, we’ll walk you through how to use the 50/30/20 method (and why it’s way more flexible than you think).

Ready to make a money map that actually fits your life?

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Timestamps:

00:00 — The one thing you should never skip when budgeting

00:34 — Why “budget” feels like a bad word (and how to shift your mindset)

1:45 — Rename it! Money map, money plan, financial roadmap

3:00 — Why categories are the key to financial clarity

5:01 — How your categories should reflect your values

6:00 — The purpose of budgeting: aligning your spending with your goals

7:10 — The 50/30/20 method — and how to make it your own

10:00 — Using percentages to simplify your budget

11:41 — Free tool alert! Grab our 50/30/20 budgeting tool on Substack

12:16 — Workshop idea: Want to budget together?

13:14 — Two simple action steps to start now

Disclaimer: The Female Finance Collective Podcast is for educational purposes only. We share personal experiences and opinions, not financial advice. Always research and consult a financial advisor before making financial decisions. All investments carry risk, and success is not guaranteed.