A budget that does not need to be constricting is a type of flexible budget. The budget has a goal but its terms are more flexible that a constricting budget. The budget changes with the various expenses associated with the budget. The amount of money in the budget may remain the same but the allocation of the money changes.

A standard budget list includes the rent, insurance payments, child expenses and utility bills. Person care expenses such as gym memberships and spa days may be on the list but are not as reoccurring as the standard items. A saving goal is another expense usually included on the list. With a non-constricting budget, the person doing the budget has the ability to shift the budget to suit their needs.

For example, if the family wants to eat out more but don-t have the extra money to do so, the financial planner will take the money from one of the other expenses such as the spa expense to cover the cost of eating out. Instead of pulling from one source, money may be pulled from multiple sources. This allows the family to be flexible in their spending without going over their limitations.