how to use a zero based budget

5 Ways To Not Go Into DEBT For Christmas

Did you know that this year Christmas is on December 25th?? Haha. Yes...I know I'm being funny, but I cannot tell you how many of our coaching clients tell us that they use credit cards to pay for Christmas because it "snuck up" on them.

Don't let Christmas sneak up on you! Here are 5 things to keep in mind as you begin (or complete) your Christmas shopping.

Life After Debt: What's Next After Becoming Debt Free

What are we supposed to do now that we're out of debt? The exact same thing we did while we were getting out of debt. Keep reading to find out what that is.

How To Make The Most of Each Pay Check

When asked what's the one thing that I recommend to someone who is serious about managing their money, I do not hesitate before I say a zero-based budget. This income allocation spreadsheet is the secret sauce that will make the most of your zero-based budget!

How to Use A Zero-Based Budget

The most important thing that Keith and I have done to cash flow almost $300,000 of life and debt during the last 5 years is maintain an active zero-based budget. 

Let me show you what I mean.