financial habits that work

9 Simple Ways People Save Money Without Budgeting (No Apps, No Spreadsheets)

By Abhishek Kandir

2 Comments on 9 Simple Ways People Save Money Without Budgeting (No Apps, No Spreadsheets)

01/23/2026

9 Min Read

9 Simple Ways People Save Money Without Budgeting (No Apps, No Spreadsheets) Why Budgeting Fails Most People You make a budget on Sunday night. You download the app, categorize your expenses, and promise yourself: “This time will be…