When you’re behind on bills, it can feel like everything is falling apart at once—and all the advice you hear just makes it worse. Most financial tips don’t help when you’re already in the red. You don’t need a lecture. You need triage. You need a way through the chaos

Most budgeting advice assumes too much: steady income, low stress, and room to maneuver. But if you’re living close to the edge—or have been—it doesn’t feel like a plan. It feels like a performance. That’s why this framework was created.Not to shame anyone. Not to fix you.But to give language

There’s no room for fluff here. A survival budget is the kind of plan you create when you’re staring down a week or a month of bills and the math doesn’t work. It’s not theoretical. It’s not about optimizing. It’s about getting through the week or month. And let’s be

A lifestyle budget isn’t indulgence. It’s not “middle class.” It’s not a shopping spree. It’s what happens when survival isn’t eating up every second of your day—and you finally have just enough stability to think ahead. This isn’t where the hardship ends. It’s where breathing room begins. Nicole wasn’t thriving.

The word “luxury” doesn’t belong to the rich.It belongs to anyone who’s ever lived without it. This isn’t about yachts and jets. It’s about being able to rest without panic. To choose without apologizing. To spend without the weight of guilt or fear riding shotgun. A luxury budget isn’t a