Your Brain on Money

Your Brain on Money

✏️ Your Values-Based Budget Framework

Most budgeting advice treats money like math when your brain treats it like emotions. Here's what actually works...

Hanna Horvath's avatar
Hanna Horvath
Aug 25, 2025
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Quick confession: I used to be a budget serial killer.

Not literally (obviously), but I'd create these beautiful, detailed spending plans, follow them religiously for about three weeks, then spectacularly blow them up with a $200 Sephora run because "I deserved it."

Sound familiar?

As a CFP, I was supposed to have this figured out. But here's what I learned: Traditional budgets fail because they fight against how your brain actually works.

Your brain doesn't care about your "essential vs. frivolous" categories when you're stressed, tired, or just trying to feel human.

So I built something different.

Today I'm sharing my Values-Based Budget Framework — a psychology-first approach to spending that feels like self-expression rather than self-punishment.

Instead of starting with restrictions, we start with excavation: What do you actually value? Not what you should value, but what genuinely matters to YOU.

What’s you’ll get:

  • Why your brain hates traditional budgets (the science)

  • 5-step process to identify and align with your values

  • Interactive exercises and reflection prompts

  • 30-day implementation plan with weekly check-ins

  • Psychology-based spending categories that actually make sense

Ready to build your spending plan? The complete framework + downloadable template is available exclusively for paid subscribers below.

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