Zero-based
Give every dollar a job, every month.
Every dollar, a job
Zero-based budgeting means income minus every assignment equals zero — no mysterious leftovers. Every dollar is either spent, saved, or given.
How to run it
income what's coming in assign spend, save, give — all of it balance must land on $0 rework if life changes, reassign
Total clarity
It's the most honest budget there is, and the hardest to hold by hand. Ledger does the holding.