Raise your hand if you’ve ever made a budget — and then promptly ignored it. 🙋‍♀️
You’re not alone.

Traditional budgets often fail because they’re unrealistic, rigid, or just plain exhausting to maintain.
What you really need isn’t a strict budget — it’s a flexible, personalized spending plan. 🎯

A spending plan that fits your real life helps you use your money with purpose, ease, and confidence.
Let’s dive into how to create one that actually works for you!

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Why Traditional Budgets Don’t Work

Most budgets focus on one thing: restriction. 🚫

You might set up a perfect spreadsheet…
…and then feel like a failure the first time you overspend on groceries or treat yourself to a coffee.

Here’s the truth:
✅ Life isn’t predictable.
✅ Your spending won’t be perfectly consistent every month.

That’s why you need a plan that adjusts with your life — not against it.

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What is a Spending Plan?

A spending plan focuses on giving your money direction, not just limits. 🧭

Instead of telling you “no,” it helps you say “yes” — to the things that matter most.
It’s proactive, not reactive.
It’s empowering, not shaming.

A strong spending plan includes:

• Your essential expenses (housing, food, insurance)

• Your financial goals (savings, debt payoff, investing)

• Your personal values (fun money, travel, hobbies)

✅ It prioritizes what’s important.
✅ It gives you flexibility for real life.
✅ It helps you feel in control — not stressed.

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Step-by-Step: How to Build Your Spending Plan

🔹 Step 1: Know Your Numbers

• Total monthly income (after taxes)

• Fixed expenses (rent, utilities, insurance)

• Variable expenses (groceries, gas, fun money)

🔹 Step 2: Calculate Your “Mojo Number”
(If you’re new to this, the Mojo Number is a key part of Moola Masters coaching!)
Your Mojo Number = the amount you can spend each week after essentials, goals, and savings are covered.

✅ It tells you how much you can spend guilt-free every week — no second-guessing.

🔹 Step 3: Prioritize Your Financial Goals
Before extra spending, make sure you’re setting aside money for:

• Emergency fund

• Debt payoff

• Retirement savings (even a small start matters!)

🔹 Step 4: Build in Flexibility
Every month is a little different.
Expect some categories (like groceries or transportation) to vary — and that’s OK!

A good spending plan adjusts when life happens without blowing up your entire budget.

🔹 Step 5: Track Weekly, Not Daily
Daily tracking feels like micromanagement.
Weekly check-ins keep you on course without feeling overwhelmed.

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Quick Example of a Flexible Spending Plan

Imagine your monthly after-tax income is $4,000:

💬 In this case, you’d set your Mojo Number based on $800 fun money ÷ 4 = $200 a week to spend guilt-free.

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Final Thoughts: Your Money, Your Rules

The best spending plan is the one that makes you feel confident, empowered, and free — not stressed.

It doesn’t have to be perfect. It doesn’t have to look like anyone else’s.
It just has to work for you. 🎯

Start simple.
Track weekly.
Adjust when needed.
And always prioritize what matters most to you.

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Ready to Create a Spending Plan You’ll Stick To?

If you want a personalized plan that fits your goals, your lifestyle, and your dreams, book a free Discovery Call!
Let’s build a system that makes your money work for you, not the other way around. 🚀