Recommended balance: the method to stop stressing at the end of the month
Most people check their bank balance to know if they can afford an expense. But the balance alone says nothing about what's coming. The recommended balance method completely changes the game.
What is the recommended balance?
The recommended balance is the minimum amount you should have in your account today to cover all your expected expenses until the next paycheck. It takes into account your fixed charges, estimated variable expenses, and upcoming exceptional expenses. Anything above that is margin — and potentially savings.
How it works daily
Every day, you compare your actual balance to your recommended balance:
- Actual balance > recommended balance: everything's fine, you have margin
- Actual balance = recommended balance: you're right on track
- Actual balance < recommended balance: watch out, you need to slow down spending
One number, one comparison, and you know exactly where you stand.
Why it reduces stress
Financial stress comes from uncertainty. When you don't know if you'll make it to the end of the month, you hesitate with every expense.
With the recommended balance, uncertainty disappears. You know every day if you can spend normally or if you need to slow down. No more mental math, no more anxiety on the 25th of the month.
Setting up the method
Calculating your recommended balance by hand is possible but tedious. That's why Yosanami does it automatically. You enter your expenses and income once, and every day, the recommended balance is updated. You just have to compare it with your actual balance.
Ready to better manage your budget?
Join Yosanami and discover how much to keep in your account each month.
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