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No to the 50, 30, 20 Method

I dont do the 50, 30, 20 method when it comes to my saving and spending habits. It works for some people, but in reality this method does not work for most single income family's and single individuals.

Why this might not work:

Your bills and minimum payments can exceed over 50% of your paycheck so right off the bat, this percentage system wont work and you will have to reconfigure.

Setting aside 20% of your paycheck is not always enough to grow your savings. You should always have as much money as possible in your savings.

30% can be a bit high for your personal affairs. You could put most of it towards fun stuff and toys for you, leaving out more important things such as food and gas. The 30% rule tends to help most forget that there is more you have to worry about other than your fixed payments. That 80 bucks for a new perfume or jacket you honestly dont need would be better sitting in your savings.

A rough on how you should money manage:

Take one month to document all of your income and all of your spending habits. Try to categorize all of your output (bills, hygiene, dining out, groceries, pet, ect.)

If you get paid monthy you shpuld automatically set aside ALL the money needed for your bills if you can. If you are paid Bi-weekly to weekly, set aside as much as you need for the bills due before the next paycheck.

From there, you can divy out and budget your left over between your regular expenses such as food and gas. I like to set aside around $200 a month for my personal things, which includes dining out.

Whatever amount you have left from that paycheck should go into your savings. Any other left over money from other categories should be put in your savings as well!

Let me know if you want to see my budget book! 🥰

#budgets #spendinghabits #Lemon8Diary #shareyourthoughts #moneysavingtips #lemon8challenge

2024/5/9 Edited to

While the 50-30-20 budgeting method is widely suggested, many find this approach impractical due to personal financial circumstances. For single-income families, bills often consume more than 50% of income, making it challenging to adhere to this rule. Additionally, setting aside just 20% for savings can stifle financial growth, especially if unexpected expenses arise. Instead, consider a customized budgeting strategy: document all your income and spending for one month and categorize your expenses, including groceries, bills, and personal spending. This insight can help you allocate your resources more efficiently. If you have specific monthly bills, prioritize securing funds for those first, then manage your discretionary spending for food and leisure accordingly. Finally, deposit any remaining funds into your savings. With careful tracking and strategic planning, you can cultivate a budget that fits your lifestyle and financial goals, ultimately leading to more savings and less financial stress.

12 comments

Good info, I learned about the rule recently but everybody’s bills are different.

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