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🪩 Hey you. Yes, you, the legend reading this.
We don’t waste time here.
You want more money?
You want less stress?
You want to stop feeling like a broke genius?
Cool. We’ve got you.
This week’s drop:
🧠 AI working for you (not replacing you)
💸 A dead-simple system to save $3,000
🎁 A giveaway that might change your year
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💬 You Don’t Need a Budget. You Need a System.
Let’s be honest: traditional budgeting kind of sucks.
If you've ever downloaded a budget spreadsheet, felt guilty by day 3, and then gave up somewhere around "Entertainment - Over Limit" — this guide is for you.
Here’s the good news: You can still hit your money goals without tracking every coffee.
This is the Anti-Budget: a 3-move system that helps you spend what you love and save without guilt, stress, or spreadsheets.
By the end of this doc, you’ll:
Have a system that saves $3,000+ per year on autopilot
Know exactly which tools/apps to use
Spend freely on what brings you joy
Let’s get into it.
🔧 STEP 1: Auto-Save First, Spend the Rest
The #1 mistake? Trying to save after you spend.
The Anti-Budget flips that. You save first, then let yourself spend freely.
Here’s what to do:
Open a high-yield savings account (like SoFi, Ally, or Chime).
Set up a recurring auto-transfer:
$10/week = $520/year
$25/week = $1,300/year
$50/week = $2,600/year
✅ Action:
Go to your bank app right now
Set a recurring transfer to savings (even $10/week is perfect!)
Visual Tracker:
Auto-Save Tracker:
[ ] Set up transfer [ ] Confirm savings account [ ] Track first $100 saved🏦 STEP 2: Use the "3-Account" System
Budgeting categories are exhausting. Instead, organize your money into just three buckets:
Bucket | Purpose | Example Accounts/Apps |
|---|---|---|
Needs | Rent, bills, groceries | Main checking account |
Wants | Fun money, shopping, takeout | Separate debit / prepaid card |
Growth | Savings & debt payoff | High-yield savings / auto-pay |
✅ Action:
Rename accounts in your bank (many apps let you label them!)
Or create new sub-accounts (SoFi, Qapital, Chime work great)
Template:
My 3 Buckets:
- Needs (Checking): __________________
- Wants (Fun Money): ________________
- Growth (Savings/Debt): ____________🎯 STEP 3: Set a "Fun Cap" — and Actually Spend It
Instead of saying "no" to fun, set a guilt-free cap.
Spend it proudly — just don’t go past the cap.
How it works:
Decide your monthly Fun Cap: $100? $200?
Transfer it to a prepaid card, separate account, or even cash
When it’s gone, it’s gone. No guilt. No tracking.
✅ Action:
Pick your cap: $____________ / month
Set up a system to separate and track it (apps like Float, Revolut, or cash envelopes)
Reminder: This isn’t restriction. It’s permission to enjoy without the stress.
🎁 BONUS: What to Do with Extra Money
Got a tax refund, bonus, or unexpected cash? Use the 3-Way Split Rule:
1/3 to Fun (enjoy it)
1/3 to Growth (save or pay down debt)
1/3 to Future Wants (vacation fund, splurges)
Example: $600 refund
$200 = nice dinner + new outfit
$200 = toward emergency savings
$200 = put aside for a concert or trip later
✅ Action:
Write your 3-way split now:
Next $_______ I get, I’ll put:
- Fun: $_______
- Growth: $_______
- Future Wants: $_______📊 Your $3,000 Path (Breakdown)
Move | Monthly | Yearly Impact |
Auto-Save | $50 | $600-$2,600 |
Trim Spending | $100 | $1,200 |
Bonus Windfalls | $50 | $600 |
Total | $3,000+ |
🙌 You Did It
You just built a real savings system in less than 20 minutes.
No spreadsheet. No shame. Just a smart plan that gives you permission to enjoy life and build financial freedom.
🎁 BONUS #2–Because you’re trialing premium Money Moves Weekly… 🫵
Before you dip, let’s talk giveaways.
We’ve teamed up with Panorama to give one lucky Money Moves reader a $192 Writing Kit 📝 to help you turn your skills into money moves online.
Pay off debt, save for joy, or just finally monetizing your late-night hot takes—we got you.
🎯 Win gear that helps you write, grow, and start funding your freedom.
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–Money Moves Team
You can still take advantage of our early-mover special and get your monthly premium membership locked in for under $1/week!
📱 ETCETERA: Ways To Make Money From Your Phone
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