Hannah Koumakis

Exactly.

Right now, so you're sitting there.

What you've done is you've worked out your categories.

You've worked out your budget now.

Then you can start to slowly kind of go, actually, maybe I shouldn't be spending $800 per month on shopping.

Maybe let's pull it back a little bit.

Exactly.

And that's how you're going to start as a really nice base for your budgeting.

And now you're going to go and create your different suffixes.

And the great thing is, is that all the banking apps, most of them that I know, is that you can create all these different accounts for free.

fun stuff that's so true I feel like that's a good step four let's add that in yeah then from there it's all about seeing if it actually works for you because every budget needs to be um needs to be personalized to you so I wouldn't I'd hate for someone to look at my budget and go oh that's how much that I should try and implement it's like that's not that's not how it works

I have lots of accounts.

For example, a savings account.

A savings account has to be accumulated because that's how you save.

It accumulates.

Often people ask me what happens to the money when you have an account that is non-accumulating.

They'll go, well, where do you put that money?

Such a good point.

For example, my petrol, it's capped at $300.

When I went to Japan, I only spent $100 for that month.