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In this episode, Jonny and Jan break down how to budget without the boring spreadsheets or patronising advice. We share our own budgeting stories, the simple frameworks we use day-to-day, and the key mindset shifts that make budgeting feel like freedom, not punishment. 🔊 Listen on the go! Search Banking Without Borders on Spotify & Apple Podcasts Watch this next 👉 • Stock Market for Beginners: How To Invest ... Connect with us (via LinkedIn) Jan: / jan-watermann Jonny: / jonny-pease Subscribe & turn on notifications 🔔 so you don't miss any videos 👉 https://bit.ly/3DFD8Aw Monito is an independent comparison platform and publisher. Our product and service reviews — like this one — are produced independently by our employees, and recommendations given are our own. Chapters: 00:00 – Why most people waste money 00:20 – What budgeting really means 00:45 – Our personal approaches to budgeting 01:15 – Living below your means = freedom 03:00 – Protecting the money you work hard for 05:00 – The link between happiness and overspending 07:00 – Marketers, dopamine, and buying habits 08:30 – How to start budgeting (step by step) 10:30 – Saving a fixed percentage first 12:30 – Spending on the right categories 14:00 – Where we cut back (food, clothes, going out) 16:00 – Second-hand shopping & avoiding lifestyle inflation 17:00 – Practical framework: track, set goals, automate 19:00 – What not to cut & watch-outs 20:30 – From saving to investing (long-term growth) #monito #howtobudget #budgeting