How often do you swipe your card and instantly wonder if you shouldn’t have?
Spending guilt is one of the most common money struggles I hear from clients. It creates stress, shame, and often leads to throwing the whole budget out the window.
That’s why I created the Mojo Number. It isn’t a full budget or spending plan—it’s the part of your plan that gives you clarity on how much you can spend freely each week. Once your bills and goals are covered, your Mojo Number is what’s left for groceries, gas, dining out, and all the extras of daily life.
What Is the Mojo Number?
The Mojo Number is your weekly discretionary spending amount. It’s simple: one number, once a week. No long spreadsheets, no dozens of categories. Just a clear guide that makes your finances less stressful and a lot more doable.
Instead of asking, “Can I afford this coffee?” or “What if this dinner puts me off track?”, you know the answer instantly. If you’re within your Mojo Number, you’re on track.
Why It Works
Most traditional budgets fail because they’re too rigid or too detailed. The Mojo Number works because it’s:
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Simple: Just one number to track each week
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Flexible: Adjusts with your income, expenses, and goals
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Freeing: Lets you spend without guilt
According to CNBC, nearly half of Americans feel guilty when they spend. The Mojo Number eliminates that guilt by building fun and flexibility into your financial plan.
How to Calculate Your Mojo Number
Here’s the quick framework:
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Start with your monthly income
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Subtract your fixed bills and essentials
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Subtract your financial goals (savings, investments, extra debt payments)
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Divide what’s left by 4
That weekly amount is your Mojo Number—the amount you can spend without worry because everything else is covered.
Want the exact steps, worksheets, and examples? Grab the Mojo Number Guide for just $10. It’s the easiest way to put this system into practice right away.
How to Use the Mojo Number in Real Life
Once you know your Mojo Number, here’s how to make it work for you:
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Check your number at the start of each week
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Track your spending in the Moola Masters app or a simple note on your phone
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Stay within the number and spend guilt-free
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Adjust as needed for busy seasons or special events
It’s not about perfection. It’s about having a clear, flexible system that works with real life.
Ready to Spend Without Guilt?
The Mojo Number is more than math—it’s peace of mind. It gives you permission to enjoy your money today while building your financial foundation for tomorrow.
Want to get started now? Grab the Mojo Number Guide for just $10. It walks you through the calculation step by step, with worksheets and tips for using your number week after week.
Or, if you’re ready for deeper transformation, join the Money Mastery Bootcamp where we put the Mojo Number into action alongside the full financial clarity framework.
👉 Learn more about the Bootcamp
