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How to Start a Budget (and be successful at it!)

Family Balance Sheet

We have been using this system ever since. A zero-based budget is planning for every single dollar of after-tax income. For example, if your paychecks net to $3000 a month, then you plan the spending for $3000, and not a single dollar over or under. Use old receipts, bank statements to get an idea of how much you must spend.

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