{"id":1028,"date":"2021-12-30T21:17:36","date_gmt":"2021-12-30T21:17:36","guid":{"rendered":"https:\/\/ppqchi.com\/zero-based-budgeting-for-beginners\/"},"modified":"2025-07-30T14:14:50","modified_gmt":"2025-07-30T14:14:50","slug":"zero-based-budgeting-for-beginners","status":"publish","type":"post","link":"https:\/\/ppqchi.com\/blog\/article\/zero-based-budgeting-for-beginners\/","title":{"rendered":"Zero-Based Budgeting For Beginners"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2021-12-30T21:17:36+00:00\">December, 2021<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Zero-Based Budgeting For Beginners<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/ppqchi.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/12\/shutterstock_777660013.jpg?w=600\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/12\/shutterstock_777660013.jpg 600w, https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/12\/shutterstock_777660013.jpg?resize=300,200 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>You may have heard the term, \u201cZero-Based Budget,\u201d but what does it mean, exactly? A zero-based budget (ZBB) is a type of budgeting tool that uses one simple rule: Your income minus your expenses should equal zero. In this article, we\u2019ll talk about the details of this budgeting system, how to build your own zero-based budget, and if this type of budgeting can work for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-zero-based-budget\">What Is a Zero Based Budget?<\/h2>\n\n\n\n<p>In zero-based budgeting, every penny of your monthly income goes to a different expenditure. This doesn\u2019t mean you apply all your money toward only one thing, just that you &nbsp;every penny you spend a purpose. This type of budgeting can be a useful tool to save up for those big purchases, pay down debt, more consistently save money. It is important you are realistic when building your budget and you allocate money for wants as well as needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-build-your-own-zero-based-budget\">How To Build Your Own Zero-Based Budget<\/h2>\n\n\n\n<p>So, how do you build your own zero-based budget? To start, you need to <a href=\"https:\/\/ppqchi.com\/blog\/article\/building-a-realistic-budget\">build a realistic budget<\/a>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The first step is to figure out your total monthly income, after taxes. Make sure to add up all income, including any side hustles and even child support. <\/li>\n\n\n\n<li>Next, you will need to add up your monthly bills. A good approach is the <a href=\"https:\/\/www.ramseysolutions.com\/budgeting\/4-things-you-must-budget\" target=\"_blank\" rel=\"noopener\">Four Walls First<\/a>&nbsp;\u2013 which includes food, utilities, shelter and transportation. After you have covered the basics, you will need to add in the rest of your monthly bills such as student loans, daycare, and credit card debt.<\/li>\n\n\n\n<li>Then you need to add in how much you want to spend each month on recreation and entertainment. This is usually an area where you can try to cut costs. <\/li>\n\n\n\n<li>The last step is to list all the things you want to save up for, like retirement, seasonal expenses like holidays and birthdays, or a down payment on your dream home.\n<ol class=\"wp-block-list\">\n<li><em>For seasonal items, think about how much you want to spend, and then divide that number by 12, or by how many months are left until that upcoming event. <\/em><\/li>\n\n\n\n<li><em>For a retirement fund or a down payment on a house, think about how many years are left until you plan to do it, then divide that number by 12.<\/em>&nbsp;<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<p>Now it\u2019s time to determine if it\u2019s the right budget for you, so let\u2019s get into its benefits and disadvantages.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pros-to-a-zero-based-budget\">Pros To a Zero-Based Budget<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-knowing-exactly-how-much-money-you-spend-each-month-nbsp\"><strong>Knowing exactly how much money you spend each month<\/strong>&nbsp;<\/h3>\n\n\n\n<p>ZBB takes an in depth look at every aspect of your expenses, breaking it down for you month by month. This gives you better control of how you allocate your funds and tells you how much extra money you have so you can make a more informed decision on what to do with it. It\u2019s also helpful for discovering where you can best save.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-freedom\">Financial freedom<\/h3>\n\n\n\n<p>You can have the ability to decide how much money you want to spend each month and on what. Being able to dictate where your extra money goes can give you a little breathing room, and peace of mind. This is a great way to take control over your own financial situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-paying-down-debt\">Paying down debt<\/h3>\n\n\n\n<p>ZBB allows you to clearly see how much of your income is spent on necessities and how much you must put towards paying down debt. The lower your debt, the more money you will have for the things you want.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-saving-money-for-long-term-financial-goals\">Saving money for long term financial goals<\/h3>\n\n\n\n<p>ZBB makes saving money for long term financial goals, like retirement, buying a house, or building a safety net, much easier. Being able to set aside money each month, however small, can give you a better grasp on obtaining your future wants. Knowing that you are planning for a better future will also make budgeting in the short term less frustrating.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cons-to-a-zero-based-budget\">Cons To a Zero-Based Budget<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-time-consuming\">Time consuming<\/h3>\n\n\n\n<p>With ZBB, you will have to sit down each month and make some decisions. Maybe you didn\u2019t set aside enough money for your utilities, or you forgot something in your original budget. This type of budgeting takes time and effort every month for it to work.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-difficult-for-those-that-do-not-have-a-fixed-income\">Difficult for those that do not have a fixed income<\/h3>\n\n\n\n<p>For subcontractors, freelancers, or tipped workers, it may be difficult to determine your income each month. One tip to working with a flexible income would be to use the previous month&#8217;s income to determine the next. Another would be to approach it from an expense-first standpoint; how much goes out must equal what comes in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-track-your-budget-with-insight-mobile-banking\">Track Your Budget with Insight Mobile Banking<\/h2>\n\n\n\n<p>The trick to sticking to any type of budget, including ZBB, is to equip yourself with the tools to help you track your spending each month.  <a href=\"https:\/\/ppqchi.com\/location\/search\">Find a store<\/a> near you and apply today for your own Insight Mobile Banking Account!<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 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target=\"_self\" >Create Your Budget to Have a Fun Summer<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"wp-block-post post-5804 post type-post status-publish format-standard has-post-thumbnail hentry category-budgeting tag-budgeting tag-budgeting-with-tech\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">How to Use Technology to Simplify Budgeting<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/ppqchi.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span 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Budgeting<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/ppqchi.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Zero-based budgeting can be a great way to ensure you&#8217;re staying on track with your budget and goals. If you\u2019re wondering where to start, we have a few tips.<\/p>\n","protected":false},"author":18,"featured_media":1439,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[57],"class_list":["post-1028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","tag-saving-money"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Zero-Based Budgeting For Beginners - LendNation<\/title>\n<meta name=\"description\" content=\"Zero-based budgeting can be a great way to ensure you&#039;re staying on track with your budget and goals. 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