AKA how to get your shit together when it comes to your hard-earned cash this year.
Money: We all want to know we're doing the right things with it. But, no matter where you're at with this whole notion of budgeting , it's possible to start wrangling your money situation now. Yes, even when the majority of your money is going towards student loans, pizza, and Netflix—no thanks to your ex who just changed his password.
For zero-based budgeting, you're accounting for every single cent you come in contact with by allocating amounts to categories. So if you have $2,000 take-home pay monthly, you're allocating a portion of that to rent/mortgage, fixed expenses , and savings. You're also giving yourself a discretionary budget allotment . You work to get your"sum" to zero, until the $2,000 has been fully allocated.
For 50/30/20, 50 percent of your income goes to fixed items: rent/mortgage, utilities, car payments, and even Netflix—anything you're paying for consistently. The 30 is for financial goals, including emergency funds, debt, 401K or Roth IRA, and future purchases like a down payment. The 20 is for everything else: groceries, restaurants, shopping, hobbies, and so on. You pay yourself and the necessities first, then figure out how much you have for everything else.
There are spinoffs of these budgeting tactics as well as ways to implement them but it really comes down to allocating for things you
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