Most budgeting methods suck. This one doesn't.

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Your 2-minute guide to demystifying money and making you richer

The markets, year-to-date

• S&P 500: 5,626.02 ⬆️ 18.62%

• FTSE 100: 8,273.09 ⬆️ 7.14%

• Bitcoin: $59,864.90 ⬆️ 35.43%

• GBP to USD: $1.3132 ⬆️ 3.13%

• GBP to EUR: €1.1839 ⬆️ 2.67%

  (as of market close on Friday)

Why we’re breaking up with the 50/30/20 rule

Budgeting is something we all want to be good at, but actually doing it every week is more likely to inspire us to beat our head into a brick wall than it is to break out a cute little bullet journal and track all of our expenses. That was 50p for a pack of gum, yay!

The truth is that budgeting often feels restrictive, and no one wants to voluntarily step into a straight jacket every week if they can avoid it. But we desperately need to budget. More than half of UK consumers have been forced to cut non-essential spending this year. 

But we don’t just need a budget so we can say we have one — we need one we can stick to. That’s why Moneyin2 went on a search for one that actually works. 

Zero-b…