Mindful budgeting
Give every pound a job
Zero-based planning ensures income minus expenses equals zero—because each pound is assigned to bills, savings, or goals.
Template
Income
£3,200
Bills
£1,550
Flexible
£900
Any leftover goes to Savings or Goals so nothing sits idle.
1. Start with real income
Use take-home pay—not gross—so the math matches reality.
2. Allocate every pound
Fund essentials first, then flexible envelopes, then goals like sinking funds or investments.
3. Rebalance weekly
Use the What-if planner to shuffle pounds before editing the live sheet.