Zero-based budget
Give every dollar a job.
A bank balance tells you what exists, not what's already rent. Zero-based budgeting sorts the pile into decisions before the month turns loud.
Every dollar gets a job Categories are the source of truth Unspent money rolls forward Moving money is always a trade
Ready to assign $630.00
May budgetIncome$4,820 - Assigned$4,190 = Left$630
Rent Funded
Assigned$1,850 Activity$1,850 Available$0
Groceries $218 left
Assigned$680 Activity$462 Available$218
Savings Set aside
Assigned$900 Activity$0 Available$900
Coffee $18 left
Assigned$65 Activity$47 Available$18
Why it works Spending decisions happen from the category, not the checking balance.
