--- title: 2 Super-Easy Ways to Manage Your Spending | TIME description: Millennial financial expert Stefanie O'Connell explains two easy approaches to budgeting. canonical: https://time.com/video/PqCjDuF0/ og:title: 2 Super-Easy Ways to Manage Your Spending og:description: Millennial financial expert Stefanie O'Connell explains two easy approaches to budgeting. og:url: https://time.com/video/PqCjDuF0/ og:image: https://cdn.jwplayer.com/v2/media/PqCjDuF0/poster.jpg?width=720 og:type: video.other twitter:card: summary_large_image twitter:title: 2 Super-Easy Ways to Manage Your Spending twitter:description: Millennial financial expert Stefanie O'Connell explains two easy approaches to budgeting. twitter:image: https://cdn.jwplayer.com/v2/media/PqCjDuF0/poster.jpg?width=720 --- # 2 Super-Easy Ways to Manage Your Spending > Sponsored content. Supplied in partnership with TIME. 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They are at time.com/newsletters and are separate from a paid subscription. ## Video: 2 Super-Easy Ways to Manage Your Spending [Watch (HLS stream): 2 Super-Easy Ways to Manage Your Spending](https://cdn.jwplayer.com/manifests/PqCjDuF0.m3u8) (1:21)  _Published 2016-02-08. Millennial financial expert Stefanie O'Connell explains two easy approaches to budgeting._ --- Jul 27, 2023 7:34 PM UTC --- ## More From This Series [All Videos](https://time.com/video/) [TIME100 Talks with Lena Waithe and Ryan O'Connell](/video/Jxut7O8W/) ### TIME100 Talks with Lena Waithe and Ryan O'Connell [Budgeting Made Easy](/video/oZadjnZr/) ### Budgeting Made Easy [How Important is Financial Fitness to Millennials in a Relationship?](/video/ncg9P93x/) ### How Important is Financial Fitness to Millennials in a Relationship? --- ## Transcript Millennials know that they're suppose to budget but are there any models out there that they can use to kinda shape their behavior? One of my favorites is what I call the percentage budgeting system. That's where you designate 50 % of your income towards your expenses 30 % towards your wants, your discretionary expenses and 20 % towards your savings, debt repayment, retirement goals, etcetera, financial goals. So that's kind of a very tangible way to satisfy all three of your major lifestyle necessities like expenses, wants and financial goals. In one place and make sure you're funding them all the time. The other one is the zero sum budget, and that's where you give every single dollar that you earn a very clear, specific place and location. So this is one I use because I'm a freelancer. And I have my income fluctuating every month. So I take my previous month's income and then I use that amount to budget for the next month. That makes sure I'm not spending more than I made ever, even with fluctuating income. And I know exactly where every dollar's going. Is it going to rent? Is it going to entertainment? 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