'Zero-based budgeting gives you an audit of how you've been spending. You'll spend all your income on paper and now you know what to do for the rest of the month.' -Carmen Perez (Makerealcents) R29Twitch
, $200 into your savings account, $50 for “fun” and so on) until you “run out” of money. The goal is to get to $0. “Zero-based budgeting gives you an audit of how you’ve been spending,” Perez said. “You’ll spend all your income on paper and now you know what to do for the rest of the month.”, but Perez prefers this method because it forces you to understand your money and spending in a deeper way and, hopefully, encourages you to develop better, long-lasting habits.
One way is to use cash as much as possible—yes, really. Ditch the Apple Pay in favor of pulling money out of the bank and dividing it into envelopes for every expense . So the next time you need to go grocery shopping, you’re taking just that $100 to the store to ensure that’s all you use. Alternatively, you can split your money into two separate checking accounts, one that’s forbills and one for “fun” money for things like trips and online shopping.
Perez knows that tackling your personal finances head on can be daunting, but emphasizes that it’s never too soon to start. In fact, the most common mistake she sees young people making is waiting until they’re older to startBut at the same time, both Yang and Perez reassured viewers that it’s okay if they haven’t already gotten serious about their money. It may never be too early to care about your personal finances, but it’s also never too late to start.
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