Latest / Budgeting for Beginners with Fexingo: Cash Envelopes, Apps, and Simple Money Tracking
The Budget Category That Grows With Your Raises
Episode 51 of Budgeting for Beginners with Fexingo tackles one of the sneakiest budget killers: lifestyle creep. Lucas and Luna break down a single category that automatically scales with your income increases, preventing the typical 'raise equals more spending' trap. They use the example of a listener who got a 15% raise last year and saw her savings rate drop because she didn't adjust her budget categories upward. The hosts explain how to set up a 'future self' category that funnels a fixed percentage of every raise into long-term goals before you can spend it. No…
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