Most people fail at budgeting because they overcomplicate it. Here’s a minimalist system you can start today and maintain for life.

Step 1: The 50/30/20 rule. Allocate 50% of income to needs, 30% to wants, 20% to savings and debt payoff. Simple and flexible.

Step 2: Use only 2 accounts. One checking account for bills and spending, one savings account for goals. Stop juggling many accounts unless necessary.

Step 3: Automate everything. Schedule savings transfers, bill payments, and even a small investment contribution.

Step 4: Weekly 10-minute check. Open your banking app once per week, review balances, and make small adjustments. That’s it.

Step 5: Celebrate milestones. Every €500 saved or every debt cleared deserves a mini reward—just not one that breaks the budget!

This system is simple, sustainable, and powerful. The less friction in your budget, the more likely you’ll stick with it. Financial freedom starts with clarity and consistency.