No more budget struggles: 3 resolutions to transform your finances this month

Week 1: "We have to do something"

"We don't earn that badly, but at the end of the month... there's nothing left."

This is a phrase that often comes up in end-of-day conversations, when the kids are finally asleep, the bank notifications come in, and the tension rises.

In this couple, let's call them Julie and Samir, it had become a routine:

The stress of the 27th, when the balance is scary.
The little remarks: "Did you order lunch again?"
And that strange feeling of working a lot... but never seeing the money stay.

Resolution #1: Take stock, honestly

No big Excel spreadsheet. No overly complicated banking software.
Just a clear snapshot of their month.

They took a moment, one Sunday morning (with coffee and a bit of courage), to list:

Their fixed income (salaries, benefits, possible annuities)
Their essential expenses (rent, groceries, gas, school)
The rest: restaurants, subscriptions, pleasure purchases, unexpected...

And there, without even going into details, one figure jumped out:
💥 They had spent over €500 last month on "little things".
Takeaway breakfasts, some clothes, two "useful" but forgotten Amazon purchases...

👉 The right reflex to remember

Before talking budget or changing habits, you have to face the facts.

Not to feel guilty. But to recognize the leaks.
It's like taking inventory of your fridge before shopping: you see what you have, what's missing, what you waste.

Quick memo box
To do this week:
🟢 List your income (monthly, net)
🟡 Gather all your expenses (card, cash, transfers, everything)
🔴 Identify vague or excessive categories (pleasure, delivery, forgotten subscriptions)
✍️ Bonus: note your reactions together. What does it make you feel, what annoys you, what surprises you.

🧠 What Julie and Samir got out of it:
A strange feeling... a mix of shock, embarrassment... and relief.
They weren't bad at managing. Just lost in the daily flow.

They had just laid the first stone.
Next? Deciding how to better allocate their money so it fits their life.
And there, a super simple method helped them: the 50/30/20 rule.

Week 2: "Let's try the 50/30/20 method"

"We want to manage better... but where do we start?"

Julie and Samir had identified their leaks. It was no longer blurry.
But they quickly realized they needed a clear framework, a simple rule to follow.

Not an accountant's thing. Just a method that says:
👉 "You earn X euros, here's how you could allocate them smartly."

That's when they discovered the 50/30/20 method.

Resolution #2: Divide your budget into three blocks

The method is simple, almost too simple:

50% for needs: housing, food, transport, fixed charges
30% for wants: outings, leisure, shopping, pleasures
20% for savings: security, projects, unexpected

Real example (adapted to their situation)
Julie and Samir earn about €3,800 together.
👉 With 50/30/20, their monthly budget becomes:

€1,900 for needs

€1,140 for wants

€760 for savings

And then, shock:

"We thought we couldn't afford to save... but if we stick to this, we could put aside €700 a month?!"

Of course, it's not an exact science. Sometimes, needs exceed 50%.
But it's a solid base. A compass.

👉 Why does it work?

Because it simplifies decision-making.
Each expense can be questioned: Is this a need, a want, or a step toward my future?

And above all, it puts savings at the center.
Not as a month-end bonus (often non-existent), but as a priority from the start.

Bonus tip
Julie and Samir printed a small table with their 50/30/20 limits
They put it on the fridge... like a discreet pact between them.

🧠 How they felt at this stage:
They no longer felt like "victims" of their spending.
They had a plan. A framework.
And above all: they were allowed to enjoy themselves... without guilt.

Next step: stop doing everything by hand, and find a tool to stay on track without a headache.

Week 3: "No more doing it all in your head"

"We want this to be easy, not a headache."

After identifying their expenses and trying the 50/30/20 method, Julie and Samir realized they needed to step up.

Their problem?
Trying to remember everything, calculate everything in their heads or on scraps of paper, wasn't working. Result: forgetfulness, arguments, stress.

Resolution #3: Automate and visualize

They decided to use a simple, accessible, shared tool that would let them:

Track their expenses in real time
Clearly see how much is left in each category (needs, wants, savings)
Share their budget without fighting

That's where Boney came in.

Why Boney?
Because it's an app designed for couples and families who want to manage their finances together, without losing their independence.
They can track joint expenses, but also keep an eye on their personal budgets.

👉 The benefits they felt

Less mental load: no more endless discussions about who paid what
More transparency: everyone knows where they stand, no surprises
A light routine: a few minutes a week to update and discuss

Julie confides:

"It's become a cool ritual, not a chore. We're more relaxed, and we stay in control."

🧠 In summary:
Automating is giving yourself mental freedom.
And with the right tool, discipline becomes pleasure, almost without noticing.

The last week is time for a review.
What little miracles has this new lifestyle already produced?
Let's go?

Week 4: "Review and motivation"

"We didn't want to believe it... and yet, it works!"

A month after setting their resolutions, Julie and Samir take the time for a real review.

What has changed

Less stress at the end of the month
No more dreaded 27th. They know exactly where they stand.
Real savings
By following the 50/30/20 rule, they managed to save nearly €700 this month.
A pot for their projects: holidays, renovations, or a safety cushion.
Guilt-free pleasures
Outings, little restaurants, pleasure purchases are no longer enemies, but moments fully shared.

Their advice to you

"Start small. Don't put pressure on yourself. The hardest part is taking the first step. After that, everything gets easier."

👉 The power of good financial resolutions

Changing habits is above all a mindset.
It's deciding that you are in control, that money is no longer a taboo or a source of tension.

With the right tools like Boney and a simple method like 50/30/20, every family can find peace of mind.

A hopeful note
Budgeting isn't a mountain. It's a series of small steps.
And each step builds a path to a freer, more peaceful life.

🧠 Want to get started?
Try listing your expenses this week.
Then, test the 50/30/20 rule.
And finally, equip yourself with a tool that suits you.

Because you deserve it.

Conclusion: "Towards a new financial freedom"

Changing habits can be scary. We often think: "It's going to be complicated, it's going to take too much time, it won't work..."

But the truth is, every little gesture counts. Julie and Samir proved it: you don't need to be an expert, you don't need to revolutionize everything at once.

It's this combination of motivation, simple method (like 50/30/20), and the right tools (like Boney) that makes all the difference.

So, ready to write your own logbook?

Your money can become an ally, a way to achieve your dreams, not a source of stress.

You're not alone.
Every step, even a small one, is a victory.

Let's go?
The first step is often the hardest... but also the most liberating.

"Your budget is your story. It's up to you to write the best pages."