In this episode, we walk through a simple, five-step roadmap to building (and actually sticking to) a budget in 2025. If you’ve ever opened your banking app with one eye closed, this episode is for you. Friendly Reminder: This episode is intended for educational purposes only and does not constitute financial advice. Always consult a qualified financial adviser for personalised guidance.Note: Every example and figure in this episode is illustrative. Adapt the numbers and methods to your own income, expenses, and goals.In This Episode00:00 – Payday Panic & IntroductionA look at why so many of us end the month with pennies, and why budgeting is the antidote.01:31 – Meet Alex: The Roller Coaster SpenderFollow Alex’s highs on payday and lows two weeks later to see why good intentions aren’t enough.04:00 – Budgeting 101: The Five Step FrameworkA quick overview before we dive deeper into each step.08:21 – Choosing a Budgeting MethodApps, envelopes, spreadsheets - pick the style that fits your personality.11:55 – Busting 5 Budget Myths“No fun,” “too complicated,” “only for broke people,” and other misconceptions, debunked.16:54 – Alex’s TransformationSee how small tweaks led to an emergency fund, pub nights without stress, and a fully-funded weekend getaway.19:24 – Key TakeawaysBudgeting isn’t about deprivation - it’s about directing your money toward what matters most.20:33 – OutroUseful Resources & LinksEmma Finance Budgeting App (Please note: FFE has no affiliation with Emma, please research this service and similar services before you proceed to make sure you use the budgeting tools that work best for you): https://emma-app.com/MoneySavingExpert Budget Planning Spreadsheet template: https://www.moneysavingexpert.com/banking/budget-planning/Enjoyed this episode? Please rate and review the podcast—it helps others discover clear, jargon-free financial guidance. Follow the show for more easy-to-understand money breakdowns and share this episode with a friend who could use a budgeting boost!

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