💸 A Peek Inside Our Actual Budgets

The Finance Girlies

Most budgeting advice is so generic. And it has to be… everyone’s income, priorities, and expenses are different.

But we know there’s something helpful (and kind of fun) about seeing how real people budget. So today, we’re taking you inside our actual budgets — how we categorize our spending, what we prioritize, and which expenses always seem to catch us off guard.

Even though we both use YNAB, our budgets look completely different — so whether you’re super structured or more go-with-the-flow, you’ll walk away with ideas for how to make budgeting work for you.

📌 In this episode, we cover:✅ How our budgeting styles have evolved over time✅ How we structure our budgets (and why they’re so different)✅ What goes in our “needs” vs. “wants” categories✅ Where we put expenses like haircuts, skincare, and car maintenance✅ The unexpected categories we budget for✅ What we do when we overspend in a category (spoiler: it happens)

Plus, we chat about why budgeting isn’t about restricting yourself — it’s about deciding what’s actually important to you.

📌 Time stamps and highlights

[00:02:00] How our budgeting styles have changed over time

[00:07:00] How we organize our budgets

[00:16:00] Where we put personal expenses (haircuts, makeup, skincare)

[00:24:00] Food budgeting: Do we separate groceries & eating out?

[00:26:00] The unexpected budget categories we have

[00:30:00] What happens when we overspend in a category

[00:38:00] Why budgeting isn’t about restriction

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