One‑third rule offers balanced finance framework

One‑third rule offers balanced finance framework

A January 2025 paper from researchers in behavioral finance and mathematics offers the ‘one‑third rule’—allocating one‑third of income to debt reduction, one‑third to savings, and one‑third to living costs.
Backed by game‑theoretic modeling and empirical validation, the rule showed resilience across varied economic contexts and household types.
Though US‑based data was used, the findings offer UK households a clear, structured budgeting alternative to popular rules like 50:30:20.
It provides insight on financial stability and avoiding bankruptcy risk.

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