✦ HAVENLY LIFE • THE MONEY SUITE ✦
Zero-Based Budget Planner
Give every pound a job before the month begins.
Use your Zero-Based Budget Planner to assign every pound of income to bills, everyday spending, savings, debt repayments, sinking funds or other priorities until there is nothing left unassigned. Everything you enter saves automatically on this device.
Give It A Purpose.
Leave £0 Unassigned.
✦ BUDGET OVERVIEW ✦
Set Up Your Month
Start with the month, starting balance and the money goal you want to prioritise.✦ MONEY AVAILABLE ✦
Monthly Income
Add all income available to allocate during this budget period.✦ ZERO-BASED CHECK ✦
Amount Left To Assign
£0.00 Add your income and start assigning it below.✦ FUND FIRST ✦
Essential Expenses
Assign money to the bills and living costs that need covering first.✦ EVERYDAY LIVING ✦
Variable Spending
Give everyday spending a clear limit instead of simply using whatever money remains.✦ PAY YOUR FUTURE SELF ✦
Savings
Savings count as part of the budget too. Assign them before the money gets absorbed elsewhere.✦ PAY IT DOWN ✦
Debt Repayments
Allocate both required repayments and any extra amount you want to put towards reducing debt.✦ PREPARE BEFORE IT ARRIVES ✦
Sinking Funds
Assign money towards expenses you know are coming even if they are not due this month.✦ MAKE IT YOUR OWN ✦
Other Money Assignments
Give any remaining money a specific job that does not fit inside the categories above.✦ EVERY POUND HAS A JOB ✦
Zero-Based Budget Summary
Your goal is simple: Total Money Available minus Total Assigned should equal exactly £0.00.✦ IF EXTRA MONEY ARRIVES ✦
Extra Income Priority
Decide where unexpected or additional income should go before you are tempted to spend it.✦ END OF MONTH ✦
Zero-Based Budget Review
Review how realistic your allocations were before setting up the next month's zero-based budget.✦ BUDGET NOTES ✦
Anything Else to Remember
Keep upcoming expenses, changes and money reminders here.✦ THE MONEY SUITE PRINTABLE ✦
✦ DIGITAL PRINTABLE ✦
Prefer to give every pound a job on paper?
Use the matching Zero-Based Budget Planner printable to list your available income, assign money to every spending category, savings goal, debt repayment and sinking fund, and keep allocating until your amount left to assign reaches £0.
YOUR PRINTABLE CAN INCLUDE
Open the matching printable page above.
✦ Give every pound a purpose, reach £0 unassigned, and know exactly where your money is going. ✦