Zero Based Budgeting Template

Its called the zero based budget.

Zero based budgeting template. Getting real in a nice way you can get your copy of the printable zero based budgeting form here for free later on in this article. I sometimes call it a reality based budget too because it helps you manage your money in a way that actually works in the real world. It includes an overview tab and a tab for each month. Simple monthly budget a simple microsoft excel budget template to be reused every month.

Advanced yearly budget an advanced microsoft excel budget template to be reused every year. You can use pretty much any budget spreadsheet to apply the zero based budgeting principles but i designed this worksheet based on a very deliberate set of saving and expense categories. Each and every month every expense must be justified. The total income and the total balances out to zero.

Its a little difficult to succinctly explain how to use it but thankfully theres a full youtube video for that. It includes an overview and sections for each major category. Meet the zero based budgeting template. The down and dirty is that your total income from all sources minus your total expense equals zero at the end of the month.

Theres a different type of budget to try to avoid all of the unexpected. The budget is the basis from which all of your financial goals flow. Ive found a zero based budget invaluable in helping us have victory with our monthly finances. It keeps my wife and i from overspending and has helped our savings rate increase.

This means every dollar of income and expenses. Download a budget template. Youtuber anne greene created a zero based budget template on this zero balance philosophy. Continue reading below to learn how to use the worksheet to create a zero based budget.