Why Zero-Based Budgeting Works
Traditional budgeting often feels like putting money into arbitrary categories and hoping for the best. Zero-based budgeting is different – you start from zero each month and give every dollar a specific job before you spend it.
This isn't about restricting yourself. It's about being intentional. When you know exactly where your money is going, you can make better choices. Want to save for that holiday? Great – you'll know exactly how much you can allocate each month. Need to pay down debt faster? You'll see opportunities you never noticed before.
The method works because it forces you to think about your priorities every single month. No more autopilot spending or wondering where your paycheck disappeared to.