If you want to make the most of your money, you need to start at zero. Sounds weird, I know. But a zero-based budget makes sure you give every single dollar a job to do.
The Power of a Zero-Based Budget
Pretend you’re counting calories for the month. Now make note of only the foods you eat at mealtimes. Don’t include mid-morning treats, afternoon snacks or late-night desserts.
It sounds like a fun way to count calories—but not an effective one.