How To Budget In 2025

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 Episode

00:00 – Payday Panic & Introduction

A 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 Spender

Follow 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 Framework

A quick overview before we dive deeper into each step.

08:21 – Choosing a Budgeting Method

Apps, 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 Transformation

See how small tweaks led to an emergency fund, pub nights without stress, and a fully-funded weekend getaway.

19:24 – Key Takeaways

Budgeting isn’t about deprivation - it’s about directing your money toward what matters most.

20:33 – Outro

Useful Resources & Links

• Emma 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/

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