The Money Bucket Approach is a simple way to organize your money so it’s easier to understand and easier to manage.

Instead of trying to track every dollar in your head or relying on willpower, you group your money into three main buckets: fixed expenses, flexible expenses, and savings. Each bucket has a purpose—and when your money has clarity, it takes the guesswork out of managing finances.

Fixed expenses cover the bills that don’t change much from month to month. Flexible expenses give you choice and freedom - this is where Sneaky Spend Zones tend to live. And savings is about building security for your future, even if you’re starting small.

This approach isn’t about strict rules or perfection. It’s about clarity. When you know which bucket your money belongs in, you can make decisions with confidence instead of stress. Over time, those small, informed decisions add up to real change.