Ditch the endless budget tracking. Download the free anti budgeting template

Understand your finances in under 10 minutes.

Why "Anti Budgeting?"

Budgeting is like counting calories: it’s a pain in the ass to track.

If you don’t know how much you spend (like 3 out of 5 Americans), then budgeting can give you a clearer picture of your finances…in the short term.

Here are 3 reasons why budgeting fails in the long term.

1. Maintenance: budgeting feels like “forever” type of chore that you have to maintain.

2. Perfectionism: budgeting feels unsatisfying until you’ve accounted for every cost. There’s that nagging feeling of missing an expense, or not tracking every single dollar. 

3. Distraction: You can be a good tracker and consistently blow your budget (more common than you’d think). Budgeting can distract from making real financial changes.

That’s why I developed the Mindful Money Map.

mindful money map - anti budgeting template preview

Instead of budgeting forever, this is a one time snapshot of your money. 

Instead of perfectionism, this is “back of the napkin” math that quickly captures the theme of where your money is going. 

Instead of stressing over small expenses (tracking every dollar), zoom out to see where the biggest costs – and opportunities – are.

I’ve baked 3 features into MMM to help you see your finances from a different perspective.

Feature #1: Spending relative to income

I baked in the concept that affordable is relative into the spreadsheet. This means you can see how your costs are relative to your net income.


In the above example, you might be wondering: ” Do I want to be spending 10% of my after-tax money on groceries? or 25% on rent?”

This gives you a point of comparison that can inspire change.

Which brings us to the next feature.


Feature #2: Projecting change

After calculating your current monthly numbers, you can use the “ideal monthly” column to play around with your numbers and see what makes a meaningful difference.

Perhaps doubling your vacation budget is exciting. Or perhaps cutting down all your subscriptions doesn’t make as much of a difference as you think.

Either way, the “Change column” will help support your goals.

Feature #3: Guilt free spending

Seeing expenses can be demotivating. It’s not good to act from a place of deprivation or restriction (a common effect of using budget trackers).

To balance out the heaviness of wondering what to cut next, we turn the tables: “What would I like for guilt free spending this month?” 

Guilt free spending is a psychologically important number to cultivate a sense of FREEDOM in spending.

The type of results my clients have gotten

  • The excitement of increasing (even doubling) guilt free spending.

  • Seeing the percentage % of their money going to things they don’t care about (forgotten subscriptions)

  • Realizing how reducing housing cost (moving, househacking, renting instead of owning) can open up so many opportunities

If you want more clarity in your finances without spending a ton of time on tracking your budget, then I hope Mindful Money Map inspires you.

Get help with your money map - and more.

Get money coaching, from the creator of the Mindful Money Map

Because the money map is such a big shift from traditional budgeting, I’ve noticed that it can take a while for clients to absorb the philosophy and methodology underpinning the method.

Accelerate your progress by applying for Money Coaching. I love doing this type of work and look forward to helping you.


Learn from Oz Chen, money coach & financial designer

I spent the last 4 years designing finance apps that helped millions of customers reach their money goals. I infuse my money coaching practice with behavioral psychology to help you can create a new relationship with money that's grounded, heart-centered and sustainable.