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Everything You Need to Know About Budgeting

Are you new to the world of budgeting and not sure where to start?

Well, friend, your search across the great expanse of the internet just ended, because we’ve put everything you need to know about budgeting in one place!

Our hope is that you’ll see the budget for what it truly is: an easy approach to total life-change!

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What is Zero-based Budgeting?

What if someone asked if you wanted all your income or just part of it? You want all of it, of course! You worked hard for that money.

But if you’re not budgeting to zero, you’re essentially missing out on money that’s yours. The good news is that it doesn’t have to be this way. A zero-based budget is the easiest way to make sure you have a handle on all your cash and are putting it toward what’s important to you.

Here’s everything you need to know about zero-based budgeting:

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How to Budget for Large Expenses with EveryDollar

EveryDollar is budgeting made easy. You guys know this.

But did you know that creating funds in EveryDollar might just be the key to unlocking your financial future?

Here’s why: A budget tells your money what to do each month. A fund tells your money what to do each month and then some. When you set up a fund, you’re saying the category of your choosing is something you want to stash cash into over a period of time.

An EveryDollar fund is financial forward thinking at its finest.

And today we’re going to learn all about this incredible budgeting tool—what funds do, why you might want to give funds a try, and how to easily build funds right into your budget.

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What You Need to Know About Online vs. In-Store Shopping

For some, shopping is a hobby. For others, it’s a chore. Love it or hate it, we have to shop. Purchasing partisans and retail recluses alike—we all need food, clothes, and home supplies.

At least these days the methods for getting that hobby or chore done are ever-growing. You can still enjoy a leisurely stroll down every aisle, sipping hot coffee to retro pop music. But now you can also literally upgrade your entire wardrobe or fully stock your pantry while you wait for that casserole to finish baking.

With the change in shopping options comes a new hot debate for those who don’t want to blow their budget in the store or online.

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It's Okay to Adjust Your Budget

Your budget isn’t a slower cooker: You can’t just set it and forget it. Instead, a budget requires care, attention, and regular adjustments. Why? Adjusting your budget:

  • Allows you to track your spending more accurately
  • Protects you from overspending in multiple categories
  • Helps you plan better in the months to come

You and your budget are in an important relationship. Don’t ignore it! You need to check in and adjust your numbers on a weekly or monthly basis.

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