No more anxiously swiping your card at the grocery store in the last week of the month, praying your card payment doesn't get declined. You'll know exactly how much money you have to spend because you would have planned in advance.
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It's a conscious spending plan for your money. Your income minus your expenses equals zero. With a zero-based budget, you make sure your expenses match your income during the month. Give every every pound thatβs coming in a job to do.
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