Jeff Haden is the developer of zero based budgeting (ZBB), which is a system for managing your finances that focuses on using cash and non-cash expenses to create a comprehensive picture of your financial situation. Jeff Haden has been extensively involved with the finance community for more than 25 years and has written several best-selling books on personal finance topics like Zero Based Budgeting: How To Save More And Live Better With Less (Zero Cost Living Series) .