Budgeting for People Who Hate Budgeting

Everything you need to know about building and implementing a budget--one you'll actually stick to!

Welcome to Budgeting for People Who Hate Budgeting!

Now, I don’t hate budgeting per se, but you should know one very important thing about me: I am not a fan of traditional budgeting systems.

It sounds crazy coming from a financial coach, but I don’t track all my expenses in a mega-spreadsheet. I don’t use budgeting apps. I don’t even revisit my budget more than once per month.

What I use instead is the Young Scrappy Budgeting System, which I’ve developed over the last couple years in response to my own needs and experiences, as well as those of my clients.

In this course, I’ll teach you how to build a budget that you’ll actually stick to—one that requires a bit of work on the front end, but then mostly takes care of itself once it’s set up.

No more tracking, no more apps, no more recategorizing your personal expenses. Just an easy-to-use system that’s designed to show you how much money you can spend freely.

Sound good? I thought so.

Once your budget is in place, you will be astounded at how much easier it is to manage your money, pay down debt, save for the things that are important to you, and spend on the things that actually bring you joy. It’s hard work, but work that is most certainly worth doing.


No matter your current skill level, our step-by-step course will give you the tools and resources you need to build a budget... one that you'll ACTUALLY stick to!

This course is divided into five sections, containing 20 videos, as well as a 50+ page workbook containing templates, video notes, and exercises, and other bonuses.

Together, we’ll cover the following topics:

1. Why traditional budgeting systems often fail (spoilers: it’s all about human psychology!)

2. How to get your spending data all in one place.

3. How to turn your basic numbers into an actionable budget, including how to calculate your “weekly allowance” of spending money.

4. How to use your bank account in order to make the budget stick and avoid common budgeting pitfalls.

5. How to maintain your budget on an ongoing basis, in as little as an hour per month.

Get started now!



Your Instructor


Michelle Waymire, CFA
Michelle Waymire, CFA

My name is Michelle Waymire, and I’m the founder of the Young Scrappy Money Academy, a financial education platform geared towards serving young investors. My passion is providing approachable, actionable financial literacy education to recent graduates, young professionals, artists/entrepreneurs, and LGBTQ+ folx.

I hold my Master’s in Business Administration from the University of Tennessee, I’m a Chartered Financial Analyst (CFA) charterholder, and have been quoted/featured in US News, Glamour, Bustle, local NPR, and many more.

When I’m not helping my clients kick butt at all things money-related, I enjoy baking, self-deprecating humor about avocado toast and Burning Man, and bears. I am a sometimes runner, an all-the-time coffee addict, and once built the Disney castle out of Legos. If you ask nicely, I will show you too many pictures of my dogbabies, Harvey and Momo!

I am also a fiduciary financial advisor and financial coach; you can read about my advisory work at www.youngandscrappy.com.


Course Curriculum


  Welcome to Budgeting for People Who Hate Budgeting
Available in days
days after you enroll
  Section 1: Budgeting Basics
Available in days
days after you enroll
  Section 2: Collecting Your Budget Data
Available in days
days after you enroll

Get started now!



Frequently Asked Questions


What if I’m completely new to budgeting?
Don’t worry, this is designed for people looking to start from the very beginning. We do our best to take a big complicated topic and break it down into bite-sized chunks, delivered in plain English that anyone can understand! And if you find yourself running into trouble, we’re happy to help you in the dedicated Slack group!
What if I’ve already got a good grip on my budget?
Even if you’ve been doing this awhile, chances are this course will teach you something new. From giving you better clarity on your spending habits, to giving you systems you'll actually stick to, we provide ample opportunity to up your money game.
When does the course start and finish?
The course starts now! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to the course for as long as you like - across any and all devices you own. Plus, this course won't always be offered at this price, as new strategies and information will continually be added. You won't have to pay a penny for any updates, though. Once you purchase, you will receive all updates for free.
How is the course content delivered?
This is a video and text-based course that is taught through short tutorials, PDFs, and corresponding worksheets/exercises. When you register you will receive an enrollment email with your unique login information.
Does this course work for those outside of the United States?
While many of the fundamental principles will translate, you will find that a rare bit of vocabulary is native to the U.S.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund.
What if you didn’t answer my question just now?
If you don't see your question here, please send me an email at [email protected], and I will send you the information you need!

Whether you're sick and tired of overspending, or you're looking to be more proactive with your spending and savings goals in the future, we've got you! Join us, and we'll help you build you a budget you'll actually stick to!

Get started now!