Every dollar gets assigned a job at the start of the month. Income minus all assigned expenses equals zero. Nothing is left unaccounted for.
People serious about eliminating debt or who live paycheck to paycheck and need full control.
Write down your total monthly income.
List every expense, bill, and savings goal for the coming month.
Assign every dollar to a specific category until income minus expenses equals $0.
Track spending throughout the month and adjust categories when needed.
Repeat the entire process fresh at the start of each new month.