The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All

Here’s the idea: A Conscious Spending Plan involves four major buckets where your money will go: fixed costs, investments, savings, and guilt-free spending money.

This means you still need to make room for Savings. Pay your Must-Haves first, then carve out 20% for Savings. Then you can put the remainder toward your Wants.