Trying to figure out how much of your income you can spend freely each month? This article breaks down what disposable income really means and gives you practical, honest advice for balancing bills, savings, and fun money. It covers common budgeting rules, the reality behind percentages, and tips to make sure you're not stressing every time you want to treat yourself. Whether you're living paycheck-to-paycheck or have a bit of wiggle room, these tips help you take control of your cash flow all year round.