Author | Lightnews

Drew Curtis @drwcrts.bsky.social · May 31

Want to simplify your budget?

We use a simple 3-bucket system:

1. Bills + Needs
2. Goals
3. Fun Money

Want to learn how to set this up?

I’m breaking it all down in tomorrow’s On The Money newsletter.

Subscribe here 👇

On the Money | Drew Curtis | Substack

Hitting the mark on money, every time. Click to read On the Money, by Drew Curtis, a Substack publication. Launched 18 days ago.

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Drew Curtis @drwcrts.bsky.social · May 27

The more automated your finances, the less you rely on willpower.

Drew Curtis @drwcrts.bsky.social · May 20

You're not overspending. You're spending without clarity.

Drew Curtis @drwcrts.bsky.social · May 12

If budgeting feels like punishment, you’re doing it wrong.

🚫 Budgeting = No fun
✅ Budgeting = Saying yes to what matters most

Drew Curtis @drwcrts.bsky.social · May 6

Every day I talk to people who make good money but still feel broke.

Why?
- They’re avoiding debt
- Don’t know what they’re spending
- Or wildest of all — they don’t know how much they make

A little awareness goes a long way when it comes to taking control of your money.

Drew Curtis @drwcrts.bsky.social · Apr 17

When the basics are automated and on track, you can finally start thinking bigger.

And that’s where the real progress happens.

Drew Curtis @drwcrts.bsky.social · Apr 17

Instead of stressing over every transaction, you can focus on questions like:

📌 What are your long-term goals?
📌 Where do you want to be in 1, 5, 10 years?
📌 How can you grow your income?

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Drew Curtis @drwcrts.bsky.social · Apr 17

The best financial plans are the ones you can set and forget.

When your system runs in the background, you free up mental space for the big picture.

🧵

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Drew Curtis @drwcrts.bsky.social · Apr 16

✅ Balances: Assets, investments, savings & debts
✅ Payment calendar: Income + recurring expenses w/ due dates
✅ Budget by category

Update it monthly and you’ll always know where you stand financially.

Drew Curtis @drwcrts.bsky.social · Apr 16

A personal finance dashboard is one of the best ways to stay organized and in control of your money.

It doesn’t have to be fancy or complicated, just consistent and clear.

Here’s what to include 👇

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Drew Curtis @drwcrts.bsky.social · Apr 15

It doesn’t matter how you do it, just make sure you’re saving and investing.
 Your future self will thank you 🙌

Drew Curtis @drwcrts.bsky.social · Apr 15

2️⃣ Automatic transfer from checking

Set up an automatic transfer from checking to savings a few days after payday.
 It’s easy to do and still builds the habit, just don’t skip it when things get tight.

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Drew Curtis @drwcrts.bsky.social · Apr 15

1️⃣ Direct deposit to savings 
If possible, set up a direct deposit for part of your paycheck to go directly to your savings account.

You’ll never see it in checking, out of sight, out of mind (in a good way).

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Drew Curtis @drwcrts.bsky.social · Apr 15

Want to reach your financial goals and actually retire one day?
 Prioritize saving and investing.
 The key: automate it so you don’t have to think about it.

Here are the easiest ways to automate your savings:

🧵

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