Ready for a cool budgeting tool? Meet the zero based budgeting template!
(I sometimes call it a reality-based budget too, because it helps you manage your money in a way that actually works in the real world. Getting real in a nice way!)
You can get your copy of the printable zero based budgeting form here for free later on in this article. But first I want to talk a little bit about how to budget and — more importantly — why budgeting can change your finances for the better.
Let’s start with this: What IS zero based budgeting anyway?
If you’re not already familiar with the term, a zero-based budget is where you account for all of your money each month. The idea is to plan out where your money will go, so that it goes where you want it to.