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I paid off  €15027 debt in 1 year.  During this year I developed the  "4 Families Budgeting method" This has single handedly transformed how I budget and makes me actually want to continue budgeting. 

My  4 Families Consists of The Walls, The Longs, The Fundays and The Jones'. These are four different categories for you to break down your debt in

You start by entering the income from all the different sources. This is all added up and the total becomes your Starting Income.

It then moves to The Walls Family. This is where our needs are met and the categories that would go into this family are , Food, Housing, Transport, Utilities (childcare , medical optional). After adding these up the total is added. This is automatically subtracted to find the newest starting income

The same is repeated for The Longs which are your current minimum debt repayment, your non essential bills and  sinking funds.

The same is repeated for The Fundays Family which is the fun aspect of your budget. This is your self-care, wants and treats. 

Finally we are at The Jones' Family. This where your are at looking towards your future. Extra debt payments ,Emergency Fund, investing, saving for a mortgage , pension the  list goes on . 

Your starting income should end with zero.







Our Promise

We promise to help you save both money and time. Our Budgeting approach empowers you to make informed financial decisions, enabling you to prioritise spending, cut unnecessary costs, and reduce your day-to-day financial stressors.

Our budgeting approach (The Four Families Budgeting Method )gives you a clear overview of your finances, allowing you to make quick, confident financial decisions, and freeing up your time from constant money worries.

The Budget Mindset Planner | Irish Budget Planner

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At The Budget Mindset Club, we take pride in creating products that go beyond the ordinary. Our commitment to practicality, durability, and aesthetics means you get more than just a tool – you get a long-term investment in your financial well-being. We understand the importance of saving you money, which is why our pricing is designed with value in mind. Each purchase is a commitment to quality, with products built to last and enhance your budgeting journey. Embrace a cost-effective choice that not only meets your needs but exceeds your expectations, making every penny count towards your empowered future.

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