Zero-based budgeting means income minus assigned jobs equals zero, not that your bank balance ends at zero.

Saving and debt repayment are assignments, so a healthy zero-based budget still ends the month with money in the bank.

On irregular income, budget from last month's actual earnings rather than this month's hopeful ones.

The CFPB, MoneyHelper and Canada's FCAC all publish free budget planners, so you do not need a paid app to start.

Read the full guide

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