Comments on: How To Create A Zero-Based Budget http://www.ncnblog.com/2009/02/13/how-to-create-a-zero-based-budget/ Debt Reduction Rocks - We Are Living Debt Free! Fri, 10 Feb 2012 00:09:10 +0000 hourly 1 By: Sean http://www.ncnblog.com/2009/02/13/how-to-create-a-zero-based-budget/comment-page-1/#comment-198437 Sean Mon, 15 Mar 2010 12:20:10 +0000 http://www.ncnblog.com/?p=2222#comment-198437 So it is recommended to use YNAB, just not the "rule one" of it. Ergo, budget all to complete zero, do not create a buffer and eventually live off of last month's income? I would agree that the money would be better server, either going to your snowball....or to an emergency fund / savings. So it is recommended to use YNAB, just not the “rule one” of it. Ergo, budget all to complete zero, do not create a buffer and eventually live off of last month’s income? I would agree that the money would be better server, either going to your snowball….or to an emergency fund / savings.

]]> By: tinnitus treatment http://www.ncnblog.com/2009/02/13/how-to-create-a-zero-based-budget/comment-page-1/#comment-178629 tinnitus treatment Thu, 29 Oct 2009 13:29:38 +0000 http://www.ncnblog.com/?p=2222#comment-178629 What I do instead is to reconcile all my accounts I try at least once per week, just to make sure I'm not going crazy and spending too much. But then again my income AND expenditure are both highly variable :) What I do instead is to reconcile all my accounts I try at least once per week, just to make sure I’m not going crazy and spending too much.

But then again my income AND expenditure are both highly variable :)

]]> By: Mary H. http://www.ncnblog.com/2009/02/13/how-to-create-a-zero-based-budget/comment-page-1/#comment-171560 Mary H. Thu, 06 Aug 2009 03:20:58 +0000 http://www.ncnblog.com/?p=2222#comment-171560 I'm not sure I understand how to budget for some of our utilities that fluctuate substantially. For instance, our natural gas can be around $250 in the winter months, but only $25 in the summer. How do I do this? TIA! I’m not sure I understand how to budget for some of our utilities that fluctuate substantially. For instance, our natural gas can be around $250 in the winter months, but only $25 in the summer. How do I do this?
TIA!

]]> By: Lulu http://www.ncnblog.com/2009/02/13/how-to-create-a-zero-based-budget/comment-page-1/#comment-170806 Lulu Mon, 27 Jul 2009 20:56:55 +0000 http://www.ncnblog.com/?p=2222#comment-170806 I use the zero based budget too. I have a category in my miscellaneous called 'overages' and if I spend less on food for the month this shows up in Excel as an overage in the budget. This amount gets transferred to an overage account in ING and every couple of months I raid it to make a snowflake payment to a debt. I use the zero based budget too. I have a category in my miscellaneous called ‘overages’ and if I spend less on food for the month this shows up in Excel as an overage in the budget. This amount gets transferred to an overage account in ING and every couple of months I raid it to make a snowflake payment to a debt.

]]> By: RateNerd http://www.ncnblog.com/2009/02/13/how-to-create-a-zero-based-budget/comment-page-1/#comment-148440 RateNerd Tue, 24 Feb 2009 22:06:47 +0000 http://www.ncnblog.com/?p=2222#comment-148440 This is a great explanation - can you use this concept with tools like Quicken or Mint? I would love to have an automated tool to drive the zero based budget formula. This is a great explanation – can you use this concept with tools like Quicken or Mint? I would love to have an automated tool to drive the zero based budget formula.

]]>