Zero Based Budgeting

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Zero-Based Budgeting is a budgeting method where you aim to have your income minus your expenses equal zero. It ensures that every dollar you earn has a purpose and isn't mindlessly spent on unnecessary items.

To create a zero-based budget, start by listing your monthly income and all of your expenses. This includes essential bills, savings, giving, and extras. Subtract your expenses from your income until you reach zero. If you have money left over, allocate it towards your financial goals. If you end up with a negative number, adjust your expenses accordingly.

Zero-Based Budgeting is a customizable approach that can be adapted to different income types, including irregular incomes. It's important to create a monthly budget to make progress with your finances and assign every dollar a specific purpose. This method helps you stay in control of your money and make intentional choices about your spending.

By practicing zero-based budgeting, you can effectively manage your finances, achieve your goals, and ensure that your money aligns with your priorities. Start your budgeting journey today and take charge of your financial future.