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Let's do this.) Subtract all your expenses from your income. This number should equal zero, meaning you just made a zero-based budget. This is key: A zero-based budget doesn't mean you let your bank account reach zero. (Leave a little buffer in there of about $100-300.) It also doesn't mean you blow all your money.
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A budget planner is a tool, such as a worksheet, that you can use to design your budget. A successful budget planner helps you decide how to best spend your money while avoiding or reducing debt.
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Hast du schulden? Mit dem A6 Budget Planer Set inkl. Grundausstattung und Sparchallenge Set schaffst du dir eine Übersicht über deine Finanzen und machst sparen zu deinem Hobby. Der Budgetplaner nutzt die Umschlagmethode als dein physisches Haushaltsbuch zum Sparen.
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