The most powerful budgeting system adapted for irregular freelance income. Learn how ZBB works when you do not know your monthly income in advance.
Every dollar gets a job. Income minus expenses minus savings minus investments equals zero. Not zero in your account, but zero dollars without a purpose.
Traditional ZBB requires knowing your income at month start. Freelancers often do not.
Solution: Budget with last month income. All income from Month 1 funds Month 2 budget. You always budget money already in your account. Income variability is absorbed.
Fixed: Rent, insurance, loan minimums.
Variable essentials: Groceries, utilities, transport.
Tax bucket: 25-30% of income.
Emergency fund: Until fully funded.
Goal savings: House fund, travel fund.
Discretionary: Dining, entertainment.
Every dollar assigned. Total = 100% of income.
Free to start. No bank connection needed. 150+ currencies, tax estimates for 20 countries.
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