How to Budget to Zero

Whatever balance is left at the end of the month in your budgeting account isn't available for just spending on anything else, as it's already allocated to other non-monthly items. I tend to encourage people to budget to zero actually and not have money spare. Income remember is finite. The budget needs to contract to me during our income. So don't overspend. Now if you've gone over, don't beat yourself up, but you must ask why. What went wrong? Or what went right? No, from either the wins or the sort of not failures, the sort of nemesis or whatever. And then adapt for next month. This is a skill that you