The Method To Our Madness. Kinda.
There are plenty of intriguing budgeting philosophies, so how do we choose one that will work best for you? We believe in keeping thigns simple so we've actuall adopted two methods that work hand-in-hand: the envelope system and zero-based budgeting.
Zero-Based Budgeting: Zero-Based Budgeting requires that you address and update your budget on a monthly basis by first estimating your income this month and then allocating every dollar of that income to specific Budget Buckets. Once allocated, these Buckets function as your "envelopes."
Envelope System: The envelope system simply requires that you allocate very specific funds for specific Budget Buckets and only spend what you have / have allocated. You then check your Bucket before spending to ensure you have the funds to cover the expense.
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