Budgets are supposed to leave you money left over, right? Well, the zero-based budget takes the opposite view, and thinks you should allocate every single dollar from every paycheck so that you’re left with nothing. Well, nothing that you don’t know what you’re going to do with. The allocation can, and probably should, include savings, for example. Getting Finances Done shows you how to get started with this budgeting technique that can save you time, headache, and yes, money. To jumpstart things, here’s a spreadsheet template you can use.

How to create a zero-based budget [Getting Finances Done] (Photo: riot jane)

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