Zero-Based Budgeting: Take Control of Every Dollar

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Zero-based budgeting (ZBB) is a method where every dollar of income is assigned a specific job—whether it's spending, saving, or investing—until your budget equals zero. Unlike traditional budgeting, ZBB starts from scratch each month, forcing you to justify every expense.

ZBB has value in both personal and professional settings. Individuals can use to manage their personal expenses while organizations find value during budgeting events and operational reviews. Many expenses exist because no one questions them after they are first approved. 

         Total Awareness: Know exactly where your money goes.

• Intentional Spending: Align spending with your goals.
• Eliminates Waste: No more “leftover” money slipping away.
• Flexible & Adaptive: Adjust monthly based on real needs.

1. List Your Income
   Include salary, side gigs, benefits—everything.
2. Assign Every Dollar
   Allocate funds to categories like rent, food, savings, debt, etc.
3. Adjust to Zero
   Your income minus expenses should equal zero. If not, reallocate.
4. Track & Review
   Monitor spending and adjust next month’s plan.