Your 95%

Note: I love this article and think Jonathan did a great job of identifying the core principal of budgeting. Managing your 95%.

I also love that withinmeans offers a solution to a problem many of us have - which is hoping and praying that we don't bounce that check or that we have enough to cover that emergency.

I didn't grow up learning to budget like Jonathan did. I just kind of spent my money willy-nilly and hoped for the best. I learned to budget my income from Jonathan and I'm a devoted budgetee now. I sleep well at night knowing that even if something happens we have the ability to get through it.

It's also wonderful because Jonathan and I rarely, if ever argue or disagree about finances.


Here's the article he wrote on budgeting in plain English.

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Think about your paycheck. Ignore taxes (etc) for a second and just focus on what you bring home.

Let’s call that your 100%.

There are hundreds of thousands of highly paid, highly intelligent, and highly trained individuals out there whose sole purpose is to help you maximize what you do with about 5% to 10% of your income: your savings. They help you save it and help you invest it. They know lots of fancy financial things and use lots of fancy financial words, so you don’t have to. They’re great and your savings should be getting a lot of attention.

So what about the other 95% of your income - the 95% that you work with every day of your life? The 95% that you take to the grocery store, and pay the rent with, and take your family out to eat with?

How much attention is it getting?


That 95% is one of the most important and most influential aspects of your life. It’s a huge factor in your lifestyle, your relationships, and your options. Of course, it does not define you - but big or small your 95% deserves your attention and care just like your other 5%.

That is why WithinMeans is about budgeting.

Budgeting puts into your hands a simple tool to help you manage your 95% and make sure you’re using it to make you as happy as possible. And you don’t need a finance degree to budget your money well, just a basic understanding. You can keep it simple and easy, and see life changing results.

What are you doing with your 95%?