Step 1: Pin Down Your “What‑If” Budget
Start by opening your favorite budgeting app—say, Mint or YNAB—and set a monthly target for discretionary spending. I chose £200 because that’s the amount I normally toss into the “fun” bucket each month.
Start by opening your favorite budgeting app—say, Mint or YNAB—and set a monthly target for discretionary spending. I chose £200 because that’s the amount I normally toss into the “fun” bucket each month.