Zero-Based Budget Printable Budget Planner

  This is the method that I have used for the past eight years, and it absolutely works!   I have also combined the zero-based budget method with the pay yourself first model with sinking funds! Here is how your money will flow... income - saving in sinking funds - must pay bills - debt - discretionary spending = $0 With a zero-based budget, as the money guru, Dave Ramsey says, "You give every dollar a job!" Because each and every dollar could be earning you money or putting you closer to your goals! By saving money first, you always ensure that you are working towards your financial goals! (Because if you're trying to save what is left over at the end of the month, you know that isn't working!) You need to flip the formula and save first!     The monthly budget planner includes: how-to instruction guide two pages of potential budget categories page of holidays and important dates for you to remember a monthly calendar for each month a budget form for each month a quarterly review s