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

Family Balance Sheet

Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. We got back on track with planning our spending and we were able to breathe again. Another way to think of a budget is a spending plan. As a planner by nature, I actually like the term, “spending plan.” A zero-based budget is planning for every single dollar of after-tax income.

Budget 122