How to spend guilt-free and make space for real-life things: A practical workbook
Because life isn’t just bills and savings. It’s dinners out, surprise birthdays, hobbies you love, weekend breaks by the coast, and the little extras that make the month feel worth it.
“I’m such a foodie… but am I wrecking my budget by trying this new ramen spot?”
We’ve all been there. Wanting to spend on something that brings us joy or allows us to pursue a hobby, but feeling guilty for doing it.
You’re not alone. When it comes to things like birthdays, hobbies, last-minute plans, or little splurges, even the best budget can start to crumble.
That’s why our simple budgeting workbook includes a dedicated section on fun and throwaway funds. Each category has is its own savings account that we add to regularly. That way, when these expenses come up, we can pay for them without throwing the whole budget off.
It’s a simple way to help you make space for real life in your budget, so you can spend without guilt and stop being caught off guard by “random” costs.
Here’s what the workbook helps you do:
🎉 Set up Fun Funds for the things you actually want to enjoy like hobbies, experiences or pure joy
🛍️ Create Throwaway Funds for the irregular but inevitable spends like birthday gifts, new trainers, or travel plans
🧠 Check if your budget matches how your life really feels, not just how it looks on paper
💸 Build a system that makes saving and spending feel sustainable
This isn’t your emergency fund. It’s the part of your budget that makes life feel like life and keeps everything steady when the unexpected happens.
👇 Get your free workbook below and start making your budget fit your real life
This tool is also used in the Financial Freedom Programme, where we help teams stress less about money and build smarter systems.
Sign up for Wealthbit’s Money Systems newsletter and make financial freedom simple.