[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-243673-105":53,"doc-detail-243673-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","zero-based-budget-template","Zero Based Budget Template","","A zero-based budgeting template guides users to account for every dollar by structuring income, fixed expenses, debt payments, savings contributions, and variable expenses into clear step-by-step sections. It includes prompts to set priorities for paying off debt or increasing savings, calculate the difference between income and total expenses, and respond when the balance is negative or positive. Helpful hints address consistent timeframes, handling irregular income, debt payoff strategies, goal-based saving accounts, realistic leisure budgeting, reviewing past statements, and monitoring and adjusting.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/zero-based-budget-template/243673/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/zero-based-budget-template/243673.png","ImageObject",442,249,{"name":88,"@type":89},"Valentina","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-08","2026-09-12",true,{"@type":98,"interactionType":99,"userInteractionCount":40},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"How do you calculate the total income in this template?","Question",{"text":108,"@type":109},"Add income from all sources for the same timeframe, then compute Total Income. Use consistent time periods across the spreadsheet.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What should you do with variable expenses based on priorities?",{"text":113,"@type":109},"Choose priorities such as paying off debt quickly or increasing savings, then fill the variable expense categories (e.g., phone & internet, groceries & food, entertainment) and calculate Total Variable Expenses.",{"name":115,"@type":106,"acceptedAnswer":116},"What does reaching a zero balance mean here?",{"text":117,"@type":109},"When the balance becomes zero, all earnings are fully allocated across expenses, debt repayment, and savings. The template encourages better financial choices based on that accounting.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},243673,1790136427,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":40,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":4},13056703020460,"https://ap-avatar.wpscdn.com/avatar/be000253dac470eee5d?_k=1778207105932848923","Zero Based Budget Template  \n1: Calculate Your Income  \nCalculate your total income from all sources (See Helpful Hint \\#1 & \\#2)  \nIncome Source \\#1  \nIncome Source \\#2  \nIncome Source \\#3  \nIncome Source \\#4  \nTotal Income 0   \n2. Calculate your fixed expenses  \nThese are items where the amounts typically remain the same and aren’t easily changed  \nMortgage/Rent  \nProperty Taxes/Rental Insurance   \nElectricity   \nWater/Sewer Vehicle Insurance  \nChild Care Expenses  \nTotal Fixed Expenses 0   \n3. Budget Your Variable Expenses Based on Your Priorities  \nDepending on what you identify as your financial priorities, you may choose to complete that section first to ensure it is top priority:  \na. Do you want to pay off debt quickly? (Helpful Hint \\#3)  \nVehicle Loan Payment Credit Card Payment Personal Loan Payment  \nTotal Debt Payments 0   \nb. Are you looking to increase your savings? (Helpful Hint \\#4)  \nEmergency Fund Contribution Retirement Contribution Vacation Contribution Other  \nTotal Contribution to Savings 0   \nc. Are you trying to determine your budget for variable expenses?  \n(Helpful Hint \\#5 & \\#6)  \nPhone & Internet Groceries & Food Entertainment Donations  \nGifts  \nFuel/Transporation Other  \nTotal Variable Expenses 0   \n4. Calculate the difference  \nTotal Income 0  \nFixed Expenses  \n0  \nDebt Repayment 0  \nSaving Contributions 0  \nVariable Expenses 0  \nTotal Expenses 0  \nBalance (total income-total expenses) 0  \nIf your balance is negative-revisit to your priorities in Step 3 and see where you can decrease your expenses. If not, is there any way to increase your income?  \nIf your balance is positive-return to your priorities in Step 3 and allocate. This means you may be able to repay a loan even quicker or bump up your retirement savings!  \n5. Zero Balance  \nCongratulations! When you reach a zero balance all your earnings are accounted for. Knowing exactly where your hard earned money is going will allow you to make even better financial choices!  \n6. Monitor & Adjust (see helpful hint \\#7)  \nMake sure to continually monitor your budget to ensure it is working for you and adjust as required.  \nHelpful Hints  \n\\#1 Make sure you use the same timeframe throughout the spreadsheet. Is it  \neasier to make a bi-weekly budget because that’s how often you get paid? If so, make sure to calculate the bi-weekly equivalent for expenses that are paid monthly or for a different period of time.  \n\\#2 Budgeting when you have irregular income is a little more difficult but  \neven more important. Consider using the lowest amount of income you usually make, so you budget to spend no more than your income during your lowestearning months. That means in months you earn more, you’ll have extra money to spend on fun things, put in your savings or use to pay off debt.  \n\\#3 There are many different approaches to paying offdebt. You can choose to  \ntackle the highest interest rate loan first, ensuring that you pay the minimum amount of interest possible or you may choose to tackle the smallest loan first-gaining momentum and confidence to tackle the larger ones. Do what works best for you.  \n\\#4 Consider opening a separate savings account for each savings goal. Having a separate place to collect funds towards your goal will keep that money separate from your day to day spending and give you a sense of accomplishment as you see your savings grow!  \n\\#5 If debt repayment and building your savings are important to you, consider budgeting for those priorities first and then skipping to Step 4 to determine what remains for the variable expenses. However, a budget is only useful if it’s realistic soit’s important to budget for leisure activities too!  \n\\#6 Take a look at bank statements and/or receipts (if you mostly use cash) for the past 3 months to determine how much you usually spend for each expense category.  \n\\#7 Your financial institution is here to help you-reach out if you need assistance or financial advice!","cbCainTR6VF42ZaY","https://ap.wps.com/l/cbCainTR6VF42ZaY","pdf",393320,"English","# Calculate Your Income\n# Calculate Your Fixed Expenses\n# Budget Your Variable Expenses Based on Your Priorities\n## Pay off debt quickly\n## Increase your savings\n## Determine variable expense budget\n# Calculate the difference\n# Zero Balance\n# Monitor & Adjust\n# Helpful Hints","[{\"question\":\"How do you calculate the total income in this template?\",\"answer\":\"Add income from all sources for the same timeframe, then compute Total Income. Use consistent time periods across the spreadsheet.\"},{\"question\":\"What should you do with variable expenses based on priorities?\",\"answer\":\"Choose priorities such as paying off debt quickly or increasing savings, then fill the variable expense categories (e.g., phone \\u0026 internet, groceries \\u0026 food, entertainment) and calculate Total Variable Expenses.\"},{\"question\":\"What does reaching a zero balance mean here?\",\"answer\":\"When the balance becomes zero, all earnings are fully allocated across expenses, debt repayment, and savings. The template encourages better financial choices based on that accounting.\"}]","Zero Based Budget Template | PDF",1789207002]