We must track our spendings, and this is a way we can figure out what we are spending money on. All you have to do is write down everything that you spend money on.
2. Know Your Monthly Income
Knowing the amount of cash flow you have coming into your budget can help you set up your Zero-Based Budget.
We know that this budget must end with zero money left over at the end of the month. With knowing our income and spending, we can finally set up what is needed.
3. Create Budget Categories
Your budget has to be flexible too. Some months the utilities could be higher due to different weather, and sometimes you will not be making as much income.