Stressing over money shouldn’t stop you from living your best life.
Ford and Marter say an important part of money management is making a plan that helps you save more than you’re spending. This is because financial anxiety is all about the uncertainty of the future. If you’re not sure how much money is coming in and out on a monthly basis, it can feel distressing to think about not making ends meet this month.
The next 30 percent of your income should go towards your wants—this is everything that’s optional, like dining out, movie tickets, and shopping. This is the area where you can cut back the most on your spending because they are variable expenses. Even though their price doesn’t change from month to month, subscriptions such as streaming services and gym memberships, also fall under this category, as they are optional.
Everyone’s budget will look different. If you’re having trouble coming up with a plan, Marter recommends seeking support from organizations like the
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