Think budgeting is complicated? Glen James says there are only two types of budgets you’ll ever need and knowing the difference could change your financial life.

In this episode of Get Rich, host Molly Benjamin sits down with Glen James, creator of the Glen James Spending Plan and host of the My Millennial Money podcast, to break down top-down vs bottom-up budgeting in a way that’s simple, practical, and actually works in real life.

Whether you’re living week-to-week, trying to pay off debt, or saving for your first home, you’ll learn:
The two types of budgets explained and which one works best depending on your stage of life
How the bottom-up budgeting method works and why it’s perfect for people with existing expenses and commitments
How to set up a weekly spending plan that covers bills, goals, and fun money (without the guilt)
The 4 levers to pull when your budget isn’t working - including how to cut costs without feeling deprived
Why habits matter more than spreadsheets when it comes to sticking to a budget long-term
Common budgeting mistakes and myths and how to avoid them

If you’ve ever searched how to budget, top-down vs bottom-up budgeting, or how to create a spending plan, this episode will give you a clear framework you can start using today.

 

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The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

[See omnystudio.com/listener for privacy information.]

Think budgeting is complicated? Glen James says there are only two types of budgets you&rsquo;ll ever need and knowing the difference could change your financial life.
In this episode of Get Rich, host Molly Benjamin sits down with Glen James, creator of the Glen James Spending Plan and host of the My Millennial Money podcast, to break down top-down vs bottom-up budgeting in a way that&rsquo;s simple, practical, and actually works in real life.
Whether you&rsquo;re living week-to-week, trying to pay off debt, or saving for your first home, you&rsquo;ll learn:
<ul>
<li aria-level="1">The two types of budgets explained&nbsp;and which one works best depending on your stage of life</li>
<li aria-level="1">How the bottom-up budgeting method works and why it&rsquo;s perfect for people with existing expenses and commitments</li>
<li aria-level="1">How to set up a weekly spending plan that covers bills, goals, and fun money (without the guilt)</li>
<li aria-level="1">The 4 levers to pull when your budget isn&rsquo;t working - including how to cut costs without feeling deprived</li>
<li aria-level="1">Why habits matter more than spreadsheets when it comes to sticking to a budget long-term</li>
<li aria-level="1">Common budgeting mistakes and myths and how to avoid them</li>
</ul>
If you&rsquo;ve ever searched how to budget, top-down vs bottom-up budgeting, or how to create a spending plan, this episode will give you a clear framework you can start using today.
&nbsp;
💌 Want more money tips straight to your inbox? Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites!<a href="https://www.ladiesfinanceclub.com/newsletter25"> Sign up here at https://www.ladiesfinanceclub.com/newsletter25</a>
Are we friends on Instagram? <a href="https://www.instagram.com/ladiesfinanceclub">Follow us here at https://www.instagram.com/ladiesfinanceclub</a>
🙏 A big thank you to our sponsor,<a href="https://www.investorkit.com.au/"> InvestorKit at https://www.investorkit.com.au/</a>! The Only Buyer&rsquo;s Agency Awarded as Australia&rsquo;s #1 for 2 Years in A Row.
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]

Welcome to Get Rich by Ladies Finance Club - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.   Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by <a href="https://instagram.com/ladiesfinanceclub">Ladies Finance Club</a> - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp; Hit subscribe and let&rsquo;s get rich (and stay rich) together.

Ladies Finance Club - Get Rich 

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.

Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.  

Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.
Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp;
Hit subscribe and let&rsquo;s get rich (and stay rich) together.

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