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How to Make a Zero-Based Budget (Every Dollar Gets a Job)
A zero-based budget gives every dollar of your income a job before the month starts. Here are the five steps, a full…
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Sinking Funds List: 21 Categories and the Monthly Math
The complete sinking funds categories list, the one formula for how much to save in each fund, and a sample plan that…
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30-Day No-Spend Challenge: Rules, Plan and Free Tracker
A no-spend month cuts the spending you do on autopilot. Here’s how to set the rules, plan each week, handle the hard…
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Free Printable Monthly Budget Template (Planned vs Actual)
A free printable monthly budget template with planned, actual and difference columns, a paycheck-by-paycheck sheet, and a filled-in example on $3,800 a…
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How to Start a Budget When You’ve Never Had One
If you’ve never made a budget, start small: three short days to gather, look back and plan, then one month of living…
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How to Build an Emergency Fund From Zero, Level by Level
Start with $1,000 and build to six months of expenses, one level at a time. Plus where to find the money, where…
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Debt Snowball vs Debt Avalanche: Which Should You Use?
The snowball pays off your smallest balance first. The avalanche pays off your highest interest rate first. Here’s how both work, what…
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How to Cut Monthly Expenses: A 30-Day Plan With Real Math
A week-by-week plan to cut monthly expenses, from bills you can call and lower to small everyday cuts with the monthly math…
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52-Week Money Challenge: Free Printable Chart to Save $1,378
Save $1 in week one, $2 in week two and keep going until week 52. Here’s how to set it up, pick…
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The 50/30/20 Budget Rule, Explained With Real Numbers
The 50/30/20 rule splits your take-home pay into needs, wants, and savings. Here is how to set it up with real dollar…