this post was submitted on 14 Dec 2025
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This all sounds great until you realize that you need time to run up to this, or a modicum of savings in order to make it happen.
Your numbers are optimistic at best. My bills vary and they're more than 70% of my income (roughly).
It's more efficient to deposit my money into a bill payment account, then take out what I can spend from that.
Guess what I already do?
Guess how much "spend" I have, per week, that needs to cover all of my gas, food, and everything else? I'm not even saving a dollar, and my available money per week is around $200.
That seems great until you realize that I'm Canadian and it's Canadian dollars, and $200 CAD is around $150 USD.
I'm employed, full time, in a specialized field, and I can spend $100 USD a week on food because I need the extra $50 for incidentals and gas.
I don't need a budget. I have a budget. I need a raise.
Ask for a raise. One thing that might help you stretch your money a bit further is utilizing a food pantry or food bank. Not sure if they are as common in Canada.
I was only off by $30 in my scenario compared to your situation. Having multiple accounts and using direct deposit to help divide your budget upfront just makes it easier.
I'm lucky that money isn't a major concern for me at this point in my life, but earlier in my career when my ex-gf had a significant amount of credit card debt doing our budget this way really helped and got her to be debt free.
I'm not sure why you think my scenario requires savings to start, If you're already paying all your bills. This is just a tool to help manage your budget.