Let’s be real—budgeting isn’t one-size-fits-all.

You don’t need to become a spreadsheet robot or give up your oat milk lattes to get your finances together.

Whether you’re the ultra-organized planner or more of a vibes over spreadsheets kinda gal, there’s a budgeting method that matches your money personality—and it can totally change your relationship with your coins.

Here are 5 budgeting styles every smart, self-aware, budget-conscious woman should know—plus how to pick the one that fits you– not the other way around.

Let’s get into it girls!

**1. The 50/30/20 Rule — For the Balanced Babe 💡**

How it works:
Break down your income like this:

➤ 50% for needs 💡
➤ 30% for wants 🛍️
➤ 20% for savings + debt payoff 💸

Why its a vibe:
It gives you structure without suffocating your joy. You’re still saving, still paying bills—and still saying yes to brunch.

Best for:
The girlie who’s all about balance. You work hard, treat yourself smart, and love a simple system that doesn’t cramp your style.

**2. Zero-Based Budgeting — For the Spreadsheet Queen 🧾**

Pictured: Deluxe Budget Spreadsheet

How it works:
Every dollar you earn gets assigned a job—nothing is left unaccounted for. Income minus expenses = zero.

Why its a vibe:
This method is for the control freaks we love. You'll spot money leaks fast, and feel like the CEO of your finances.

Best for:
My Type-A besties who live for Google Sheets, to-do lists, and color-coded highlighters. You love knowing exactly where your money’s going.

**3. The Envelope Method — For the Hands-On Honey 🛍️**

How it works:
You take out actual cash, divide it into envelopes by category (think groceries, gas, beauty), and when it’s gone—it’s gone.

Why it slaps:
It’s visual, tangible, and keeps overspending in check without requiring tech. (Bonus: aesthetic envelopes 👀)

Best for:
Visual learners and tactile thinkers. If you love journaling, planners, and physically organizing your life, this one’s your girl.

**4. The Pay-Yourself-First Method — For the Big-Picture Babe 🌿**

How it works:
You treat saving like a bill—non-negotiable. You stash your savings first, then spend what’s left.

Why it slaps:
It’s automatic, goal-driven, and wealth-building. Your future self is thriving.

Best for:
The boss energy girlie focused on long-term goals, early retirement, or building a soft life fund. You love a high-yield savings account like it’s your therapist.

**5. The Anti-Budget — For the Chill Minimalist 🌀**

How it works:
Figure out how much you need to pay bills + save each month. Automate it. Then spend the rest however you want—no tracking required.

Why it slaps:
It’s low-effort, no micromanaging, and still gets you closer to your goals.

Best for:
The laid-back baddie who wants freedom and financial stability. You don’t need to obsess over every $3 matcha—you’ve got systems doing the work for you.