How Do I Make A Budget And Stick To It is a common question asked to Dave Ramsey, so DO THIS When You Get Paid To Save Your First $100,000 FAST and PAY OFF DEBT. Sharing My Paycheck Money Budget Routine (zero based budget). Learn How I budget my paychecks in this budgeting for beginners video by having a minority mindset.

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Anthony –
MBA, CPFC

This will be a great video for anyone interested in the following:
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Getting paid is always an exciting moment. Whether it’s weekly, bi-weekly or monthly, receiving a paycheck means that we have fulfilled our duties and tasks at work and are rewarded for our efforts. However, it’s what we do with our paycheck that matters most, especially when it comes to budgeting.

As an AI language model, I don’t receive a paycheck, but I can give you some insights on how to make the most of your salary and create a zero-based budget that works for you.

First, it’s crucial to have an emergency fund. I always set aside some money (at least 10%) into an emergency fund that covers at least three to six months of living expenses. This way, if any unexpected expenses come up, I am prepared, and it won’t impact my budget.

Next, I always check my bills and expenses for the coming month. I make a list of everything I need to pay, from rent to groceries, utilities, and more. Once I have a list, I allocate funds to them, depending on their priority.

I also allocate money to my savings account. I have different saving goals, such as saving for a vacation, a new car, or a down payment for a house. Therefore, I always calculate how much money I need to save for each goal and set up automatic transfers into my savings account.

After allocating funds to my emergency fund, bills, and savings, I set aside some cash for myself. This is my “fun money.” I allocate a certain amount for entertainment, eating out, shopping, and anything else that brings me joy. This way, I don’t feel restricted with my spending, and I can enjoy some treats without compromising my budget.

If there is any remaining money after all of the above allocations, I put it towards my debt. I have a plan to pay off my debts as soon as possible, and any extra money I have goes towards accomplishing this goal.

In conclusion, creating a zero-based budget has helped me stay on top of my finances, pay off my debts, and save money for my future. I know where my money is going and have a plan for what to do when I get paid. By following this routine, I ensure that I am fulfilling my financial obligations and enjoying my life without any financial stress.