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Zero-based budgeting

Definition

A budgeting method where every unit of income is assigned a job, spending, saving or debt, until income minus assignments equals zero.

Formula

Income − (Spending + Saving + Debt payments) = 0

Example

$5,000 of income is fully allocated across bills, groceries, savings and an extra loan payment, leaving nothing unassigned.

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General educational information, not personal financial advice. See our disclaimer.

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