When it comes to finding ways to save money, there are a lot of different options out there. One option that has been gaining popularity in recent years is the zero-sum budget.
With a zero-sum budget, your goal is to make sure that your income minus your expenses equals zero. In other words, you want your spending to match your income exactly. Any money left over at the end of the month is extra and can be used for savings or debt repayment.
The great thing about a zero-sum budget is that it forces you to be mindful of every single penny you're spending. Since you have to account for every dollar, you'll quickly learn where you can cut back on unnecessary expenses.
If you're interested in trying out a zero-sum budget, there are a few different ways to do it. You can use pen and paper, create a spreadsheet, or use special software designed for budgeting (like YNAB). Whichever method you choose, just make sure that everything balances out in the end!