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    Zero-Based Budget Worksheet for Excel, Sheets, PDF …

    • If you are creating a monthly budget, list all sources of income for the month. If you actually get paid biweekly, you may want to base your budget on just two weeks of pay, then use your extra paycheck twic… See more

    Step 2: Enter Your Budget

    The categories in this worksheet have a very purposeful structure. They are designed to help you apply the 'Pay God First' principle, the 'Pay Yourself First' principal, th… See more

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    Step 3: Make Changes Until The Final Budget Is Zero

    If the final budget is negative, you can either try to increase your income, or cut back in … See more

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    Step 4: Enter Actual Amounts

    If you don't already have some other system for analyzing your spending, then at the end of the month, enter your actual income and spending in the right-hand columns of … See more

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