The anti-budget may be for you.

And the anti-budget is among them.

Can You Survive 10 Days of Budgeting?

A couple look happy as they work out their finances.

What Is the Anti-Budget?

We know, we know.

Theres alsothe Pay-Yourself-First strategy, which is similar to the anti-budget.

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So, what if you didnt have to deal with it at all?

Budgeting (If You Hate Budgeting)

This is where anti-budgeting comes in.

First you start off with a question: How much do you want to save?

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Take that number directly out of your take-home income.

Then spend the rest as needed or as you hey.

That is the entire formula for anti-budgeting.

How Does the Anti-Budget Work?

The main thing about anti-budgeting is it is simple.

Its not supposed to be an intense exercise or chore.

Saving

Saving here can mean different things to different people.

But what else does saving money mean?

Debt

Paying debt.

Debt can weigh you down, even if it can be useful.

How is it considered saving, though?

Every dollar you pay to your debts is a 100% value investment.

Saving money also has a 100% or more value, but paying off debt increases yournet worth.

So smashing debt counts as saving money, even if it might not feel like it at the moment.

Investment

That brings us to investing.

Every dollarinvestedcan result in much more money down the road.

Take stocks, for instance.

Every dollar invested is expected to earn an average of around8% per year, adjusted for inflation.

Stocks and real estate just will not keep up in that aspect.

Heard of These Money-Making Hacks?

Ready to find out how some folks effortlessly earn the big bucks?

Millions of Americans ignorethese easy tipsthat could have you padding your wallet in no time.

Thats where budgeting wont save you.

(But making more money could.)

For the other 99% of you reading this, what are you supposed to do?

First, realistically analyze how much money you take in per month.

Then calculate what your expenses roughly add up to per month.

This is the best way to peek if you might save more than you thought.

Most people, however, already know how much they spend per month.

Thats why deciding how much to save is easier.

Theres an additional psychological benefit to anchoring all of your money goals around saving money vs. spending money.

Other budgets are anchored around spending tracking spending, which can make life feel much more stressful.

An Example of the Anti-Budget

Here is a quick example of an anti-budget.

Say I take home $4,000 a month after taxes, 401k contributions and health insurance.

Now, say I want to save half of my money each month $2,000.

Savings rate is a very important term for FIREwalkers.

Theres a flip side, though: The higher the rate, the less quality of life.

Its best to simply find whats comfortable for you while hitting your goals.

Checking Your Anti-Budget

But lets double-check it.

With an anti-budget, simplicity, and power are directly in your hands.

Need a Hand With Bills?

Listen, we know its tough out there.

But theres no shame in asking for help.

These companiesmake it easy to help yourself and your bank account.

Dennis Lynch is a civil engineer turned freelance writer with a passion for personal finance.

you’re able to find Dennis over atcolossicus.combetween his freelance ventures.