Finding the Right Approach for You

Discover what floats your boat, so you don't drown your budget


There are many ways to try and get a handle on your finances. Wishing and hoping are the least effective. When  you decide to get serious, you'll probably start with a personal budget. There are many ways to go about this. We picked two popular ones to discuss here. Maybe one will work for you. 


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Senator Warren and her daughter, Amealia Warren Tyagi, coined the 50/30/20 rule of budgeting in a 2005 book. Start with your after-tax income and break it down from there. 



Zero-Based Budgeting

 The author of this post says the goal for this type of budgeting is to use the prior month's income to pay the current month's bills and "break the cycle of living paycheck to paycheck."


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