Nobody told you how difficult budgeting could be. Balancing your bills, unexpected expenses, and various sources of income can be a cumbersome task, easy to push off or ignore entirely. But moving your budget to the back burner can lead to a vicious cycle of irregular tracking and inconsistent savings, which can put your long-term financial security at risk.

Mastering the art of budgeting can form the foundation of your financial health. The Automated Budgeting Channels (ABC) Budget introduces a transformative approach for you to do just that, and with a lot less work than a "traditional" budget.

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Automation can turbocharge your budget

At its core, the ABC Budget is designed to streamline your budgeting process through automation. By designing flows that automatically send your money from one account to the next, you can direct your income strategically to accelerate savings growth and never miss a payment. The ABC Budget isn't your parents' budget—it's a straightforward tech-driven solution to money management that reduces tedious manual tracking and the chance of emotional spending.

How the ABC Budget works

First, your income is automatically deposited in a high-yield savings account. This way, any money that doesn't flow out will grow without your attention.

Then, you will make one large, automated distribution from the high-yield account to your "conduit account," a checking account on which the rest of the budget is based.

From your conduit account, you will automate three types of distributions:

• Fixed expenses, like a mortgage or car loan, withdraw automatically from the conduit account so you never miss a payment again.
• Next your investment accounts receive a set amount each month, building your nest egg without a second thought.
• Finally, your variable expenses budget gets the remainder in a checking account with a debit card. You can spend (guilt-free) on the things that you enjoy. By using a debit card, you can ensure that you aren’t overspending.

If this sounds a bit confusing, don't worry. The ABC Budgeting Worksheet has fillable zones and checkable boxes that will help you set up your own ABC Budget without a hiccup.

Benefits of the ABC Budget

The ABC Budget offers many benefits that extend far beyond financial organization:

• Automated savings. By default, your excess income is retained in a high-yield savings account. Even if you forget about it entirely, this money will accumulate without effort.
• Controlled spending. With a hard limit set by your monthly variable expense debit card, you design the likelihood of overspending right out of your personal system.
• Timely payments. Automated payments for fixed bills eliminate the risk of missed or late payments, which will protect your credit score over time.
• Investment growth. Automatic allocation to investment accounts ensures that your savings work for you around the clock, with investments that match your risk profile and financial goals.

Embark on your budgeting journey with the ABC Budget

Getting started with your own ABC Budget is straightforward, and quickly rewarding. Downloading the ABC Budgeting Worksheet is your first step towards automated budgeting. This worksheet is designed to guide you through setting up your money flows. After you download the worksheet, you need just three pieces of information to get started:

• Your monthly net income.
• Your fixed monthly expenses.
• Your estimated monthly variable expense budget.

Along with this, the worksheet will explain the accounts you need to set up to automate your income deposits and savings flows.

By following the steps laid out in the ABC Budget, you'll be well on your way to a more organized and less stressful financial life. Remember, this budgeting method is more than just a tool; it's a pathway towards your aspirations without all the work. Download the worksheet today and take that first step towards your financial future.

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