Use A Zero-Based Budget.

Start with the real numbers

Gather recent statements, current balances, rates, dates and recurring commitments. Avoid building a plan from memory when the information is available.

Use a simple process

1. Define the result you want.
2. Record the current position.
3. Choose one measurable next action.
4. Set a review date.
5. Adjust after seeing the result.

Common mistake

Trying to optimize everything at once. A smaller plan that you follow is generally more useful than a perfect plan that never starts.

Action checklist

• Write down the current figure.
• Choose a realistic target.
• Use the related calculator.
• Save a short note in your dashboard.
• Review in 30 days.