zero-based budget

Why I Stopped Budgeting by Spreadsheet (And What I Use Now)

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writing budget planning

I built a budgeting spreadsheet that I was genuinely proud of. Color-coded categories, automatic totals, a tab for each month. I spent about three hours setting it up and showed it to my roommate like it was something worth showing. Then I used it consistently for maybe six weeks. After that it sat there, slowly … Read more

Zero-Based Budget: I Tried This Method for 3 Months

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zero based budgeting method illustration

After people tried to explain a zero-based budget to me, I thought I actually had a good understanding of the method, but I had never actually tried it myself before. People told me that figuring out “which dollar goes where” opens a full new understanding of “how your finances work. ” So, I took the … Read more