[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-187318-en":3,"doc-seo-187318-105":29,"detail-sidebar-cat-1-en-105":90},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":11,"category_id":12,"category_name":13,"doc_title":14,"doc_description":15,"doc_content":16,"file_id":17,"file_url":18,"file_type":19,"file_size":20,"view_count":4,"is_deleted":4,"is_public":11,"is_downloadable":11,"audit_status":11,"page_count":21,"language":22,"language_code":23,"site_id":24,"html_lang":23,"table_of_contents":25,"faqs":26,"seo_title":27,"seo_description":15,"update_tm":28,"read_time":11},187318,16904993612988,"Olivia Brown","https://ap-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd",1,11,"Presentations","Quick Start Budgeting - Zero-Based Budgeting Guide","A practical quick-start guide to building and maintaining a workable budget, emphasizing zero-based budgeting where monthly income is assigned to savings and expenses until the balance reaches zero. It explains why budgets must be written and monitored, recommends budgeting apps, and provides four actionable rules: budget what you have, embrace true (non-monthly) expenses, roll with overspending by adjusting categories, and age your money to break the paycheck-to-paycheck cycle.","| Quick Start Your Financial Success Guide: Budgeting\u003Cbr>Start with your budget!\u003Cbr>• Understand the approach to budgeting. We suggest zero-based budgeting:\u003Cbr>o Monthly Income- (monthly savings + monthly expenses) =0\u003Cbr>o This means every dollar has a job. The old fashion envelope system is a great example of this! |  |\n| --- | --- |\n| | |\n| While we do not necessarily encourage the use of physicalenvelopesand cash, the envelope example providesan excellent visual aid of zero-based budgeting. The second example is zero-based budgeting displayedin a\u003Cbr>spreadsheet format/\u003Cbr>2 Keys and 4 Rules\u003Cbr>2 Keys to a budget: 1) There must be a written plan and 2) a means to monitor/track the plan.\u003Cbr>• Mental math doesn’t work. A budget only works when it is written and monitored. One of the best ways to ensure this happens is taking advantage of apps available that help with budgeting.\u003Cbr>o The Center for Financial Success preferred [app is: youneedabudget.com](app is: youneedabudget.com)\u003Cbr>▪ This app is user friendly and has free onlineworkshops to understand it better.\u003Cbr>▪ Free fora year for college students and is well worth the second year cost.\u003Cbr>▪ [Our second favorite app is mint.com](Our second favorite app is mint.com)\u003Cbr>4 Rules (borrowed from youneedabudget.com with additionalnotes from the Center for FinancialSuccess staff)\u003Cbr>1. Budget what you have:\u003Cbr>a. Prioritize what is already in your account.“Ask yourself what you have to buy before getting paid again? Cover those expenses first. Make sure and stick to the plan to the best of your ability.\u003Cbr>b. This is made easy when it is written, or especially easy when put in a budgeting app. (The picture on the back shows an [example of this being done with youneedabudget.com](example of this being done with youneedabudget.com)) |  |\n\n\n| | | This is an example of budgeting what you already have in the bank account for your immediate expense using the mobile app [for youneedabudget.com](for youneedabudget.com).\u003Cbr>*the numbers imputed are not suggested household budget figures. They are arbitrary. |\n| --- | --- | --- |\n| 2. Embrace your true expenses:\u003Cbr>a. This means planning for non-monthly expenses\u003Cbr>b. For Example: turn your Christmas presents budget into “monthly bills”\u003Cbr>i. If you planto spend $1200 in December budget 100 each month and treat it like a bill. Another example could be your insurance premium.\u003Cbr>c. Mental math will beat you if you do not think about non-monthly expenses when you geta paycheck, cover the immediateexpenses and see some leftover cash.\u003Cbr>d. This will help you make better decisions about immediate spending when you have leftover cash knowing how much you will need in the future.\u003Cbr>e. This includes planning for emergencies.\u003Cbr>3. Roll with the punches:\u003Cbr>a. When you overspend adjust rather than quit. The budget you make will need to be flexible.\u003Cbr>b. For example, if you budget $80for groceries but spend $100 then simply move 20 dollars from a category less important to cover the overspending, like dining out or money being saved for a new computer.\u003Cbr>c. This rule keeps you from feeling like you totally screwed up when you overspend.\u003Cbr>d. Sometimes an emergency will occur that causes unplanned expenses. Be prepared to adjust.\u003Cbr>4. Age your money\u003Cbr>a. The first three rules will help you learn how to consistently spend less than you make. This will enable you to plan further ahead. Eventually you will be able to budget so that you are paying for this month’s expenses with last month’s income.\u003Cbr>b. This breaks the living from paycheck to paycheck cycle.\u003Cbr>Finally, foryour budget to work, you must be realistic. Being realistic sometimes means making multiple tweaks until it fits your lifestyle and goals just right. Don’t get discouraged , it will work! Sometimes it just takes time!\u003Cbr>If you would like help building a budget take advantage of our free peerto peer financial counseling program! We are located in Grise Hall rooms 320 & 322! ","cbCaia2SJJSzLgJj","https://ap.wps.com/l/cbCaia2SJJSzLgJj","pdf",777549,2,"English","en",105,"# Quick Start Your Financial Success Guide: Budgeting\n## Zero-based budgeting approach\n## 2 keys to a budget\n## Budgeting apps for tracking\n## 4 rules for a workable budget","[{\"question\":\"What is the core idea of zero-based budgeting in this guide?\",\"answer\":\"All monthly income is assigned to monthly savings and monthly expenses so the remainder becomes 0. This makes every dollar intentional.\"},{\"question\":\"Why does the guide say a budget must be written and monitored?\",\"answer\":\"Mental math is not reliable; the budget works only when it is documented and tracked over time.\"},{\"question\":\"What should you do when you overspend according to the four rules?\",\"answer\":\"Adjust instead of quitting by moving money from a less important category to cover the overspending. 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