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Overheard a guy at the gym bragging about his 'zero-based budget' and it clicked
I was spotting someone last week and he told his buddy he tracks every single dollar before the month starts, down to coffee and gas. That made me think about how I just guess my spending and hope the numbers work out. Has anyone tried zero-based budgeting and actually stuck with it for more than a few months?
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brian_kelly9116d ago
Started doing zero-based budgeting last year after I ran out of money halfway through a month. Forgot to pay my car insurance and got hit with a late fee, which was just stupid. It works okay but I hate having to plan out every single coffee run and snack purchase ahead of time. What kills me is when I budget for a quiet weekend and then suddenly people invite me out, and I have to shift money around from other categories. Does the constant adjusting ever get easier?
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