Most budgeting advice assumes you want to spend your weekend building a spreadsheet with seventeen tabs. These three rules do most of the heavy lifting without a single formula. Rule 3: Build In No-Spend DaysInstead of tracking every purchase, pick a few days a week where the rule is simple: no non-essential spending. No-spend days work because they don’t require math. That’s really all budgeting is: a few simple rules, repeated until they feel normal to do.