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Planning February 13, 2026 Budget King @ eCalcy 7 min read
Zero-Budgeting: Control Your Cashflow
Give every dollar a job. Master the zero-based budgeting technique to eliminate debt and increase your savings rate.
If you don't tell your money where to go, it will just leave. Zero-based budgeting means [Income - Expenses = 0] at the end of every month.
Allocating to Goals First
Before you spend on coffee or dining, allocate money to your savings and debt repayment. This 'Pay Yourself First' mindset is amplified by the zero-based structure.