Budgeting Methods

Zero-Based Budgeting Sounds Airtight. Here's Where It Breaks.

8 min read|Zero-Based BudgetingBudgeting MethodsFinancial LeaksBudgeting

Zero-based budgeting gives every dollar a job. It's a great method that breaks the first time life surprises you. Here's what it needs to actually work.

Joy Casfhir

The 50/30/20 Rule Is a Starting Point, Not a System

8 min read|50/30/20 RuleBudgeting MethodsFinancial LeaksBudgeting

The 50/30/20 budget rule is a useful mental shortcut. It's not a complete system, and here's exactly where it starts to break for real people.

Joy Casfhir

Envelope Budgeting Without the Envelopes

8 min read|Envelope BudgetingBudgeting MethodsFinancial LeaksBudgeting

The envelope method still works. What needs updating is the envelopes themselves, the monthly reset, and the assumption that all envelopes are equal.

Joy Casfhir