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	<title>Comments on: How to create a zero-based budget</title>
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	<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/</link>
	<description>Your Guide to Stress-Free Financial Control.
Personal finance tips.</description>
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		<title>By: Cash Is Truly King!</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-172875</link>
		<dc:creator>Cash Is Truly King!</dc:creator>
		<pubDate>Wed, 17 Mar 2010 21:45:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-172875</guid>
		<description>[...] How to Create A Zero-Based Budget  and Budgeting on A Self-Employed or Irregular Income [...]</description>
		<content:encoded><![CDATA[<p>[...] How to Create A Zero-Based Budget  and Budgeting on A Self-Employed or Irregular Income [...]</p>
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	<item>
		<title>By: A 360-Degree Approach to Improving Self-Confidence &#171; Catch Your Career</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-172812</link>
		<dc:creator>A 360-Degree Approach to Improving Self-Confidence &#171; Catch Your Career</dc:creator>
		<pubDate>Tue, 16 Mar 2010 21:47:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-172812</guid>
		<description>[...] a plan. Create a budget and keep to it no matter the [...]</description>
		<content:encoded><![CDATA[<p>[...] a plan. Create a budget and keep to it no matter the [...]</p>
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	<item>
		<title>By: February Wrap-up and March Goals &#171; The Saved Quarter</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-172065</link>
		<dc:creator>February Wrap-up and March Goals &#171; The Saved Quarter</dc:creator>
		<pubDate>Sat, 27 Feb 2010 21:03:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-172065</guid>
		<description>[...] Stick to a zero-based, envelope budget, using only [...]</description>
		<content:encoded><![CDATA[<p>[...] Stick to a zero-based, envelope budget, using only [...]</p>
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	<item>
		<title>By: January Wrap-Up, February Goals &#171; The Saved Quarter</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-170882</link>
		<dc:creator>January Wrap-Up, February Goals &#171; The Saved Quarter</dc:creator>
		<pubDate>Sun, 31 Jan 2010 16:57:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-170882</guid>
		<description>[...] Stick to a zero-based, cash only [...]</description>
		<content:encoded><![CDATA[<p>[...] Stick to a zero-based, cash only [...]</p>
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	<item>
		<title>By: Chris @ How We Save Money</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-164196</link>
		<dc:creator>Chris @ How We Save Money</dc:creator>
		<pubDate>Wed, 07 Oct 2009 10:05:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-164196</guid>
		<description>Nice step by step break down! I look forward to reading more posts.</description>
		<content:encoded><![CDATA[<p>Nice step by step break down! I look forward to reading more posts.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Red Parrot</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-162114</link>
		<dc:creator>Red Parrot</dc:creator>
		<pubDate>Fri, 11 Sep 2009 13:29:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-162114</guid>
		<description>I have been using Zero Based Budgeting for the last 5 years and it really saves my needs. Try it you will never go.</description>
		<content:encoded><![CDATA[<p>I have been using Zero Based Budgeting for the last 5 years and it really saves my needs. Try it you will never go.</p>
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		<title>By: Anthony</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-150072</link>
		<dc:creator>Anthony</dc:creator>
		<pubDate>Wed, 01 Jul 2009 15:55:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-150072</guid>
		<description>I have created a variation of the zero based budget that has worked well for me, it hopefully will allow people who have had problems sticking to a budget in the past be able to become close to having one.

http://www.thepoordollar.com/2009/07/budget-oops-part-1-906-on-food-dining/</description>
		<content:encoded><![CDATA[<p>I have created a variation of the zero based budget that has worked well for me, it hopefully will allow people who have had problems sticking to a budget in the past be able to become close to having one.</p>
<p><a href="http://www.thepoordollar.com/2009/07/budget-oops-part-1-906-on-food-dining/" rel="nofollow">http://www.thepoordollar.com/2009/07/budget-oops-part-1-906-on-food-dining/</a></p>
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	<item>
		<title>By: Beau</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-134355</link>
		<dc:creator>Beau</dc:creator>
		<pubDate>Mon, 16 Feb 2009 01:13:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-134355</guid>
		<description>Excellent article! I&#039;ve been doing the zero based budget (based on Dave Ramsey&#039;s guidelines) for a couple of months now. It&#039;s freeing to have a plan for your life...

Since I&#039;m a web developer, it&#039;s unsurprising that I built (and am building) a free zero-based budgeting web app.

&lt;strong&gt;&lt;a href=&quot;http://budgety.net/&quot; title=&quot;Budgety.net - Zero based budgeting made simple&quot; rel=&quot;nofollow&quot;&gt;Budgety.net&lt;/a&gt;&lt;/strong&gt;

Thanks for the article!</description>
		<content:encoded><![CDATA[<p>Excellent article! I&#8217;ve been doing the zero based budget (based on Dave Ramsey&#8217;s guidelines) for a couple of months now. It&#8217;s freeing to have a plan for your life&#8230;</p>
<p>Since I&#8217;m a web developer, it&#8217;s unsurprising that I built (and am building) a free zero-based budgeting web app.</p>
<p><strong><a href="http://budgety.net/" title="Budgety.net - Zero based budgeting made simple" rel="nofollow">Budgety.net</a></strong></p>
<p>Thanks for the article!</p>
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	<item>
		<title>By: 50 Ways to Change Your Life</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-129662</link>
		<dc:creator>50 Ways to Change Your Life</dc:creator>
		<pubDate>Sat, 20 Dec 2008 06:29:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-129662</guid>
		<description>[...] 10. Start a budget. A budget is a plan that allocates future income towards expenses, savings, investments and debt repayment. They do not have to be rigid and complicated. Getting Finances Done has written a good guide to Creating a Zero-Based Budget. [...]</description>
		<content:encoded><![CDATA[<p>[...] 10. Start a budget. A budget is a plan that allocates future income towards expenses, savings, investments and debt repayment. They do not have to be rigid and complicated. Getting Finances Done has written a good guide to Creating a Zero-Based Budget. [...]</p>
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	<item>
		<title>By: 8 Beginning Steps to Overhauling Your Overhead; Or, How I Paid Off Over $10,000 of Consumer Debt While Making Less Than $30K a Year</title>
		<link>http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/comment-page-2/#comment-127113</link>
		<dc:creator>8 Beginning Steps to Overhauling Your Overhead; Or, How I Paid Off Over $10,000 of Consumer Debt While Making Less Than $30K a Year</dc:creator>
		<pubDate>Mon, 24 Nov 2008 19:09:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.gettingfinancesdone.com/blog/archives/2006/08/how-to-create-a-zero-based-budget/#comment-127113</guid>
		<description>[...] Commit to having a written, zero-based budget for your household every month. This must actually be on paper (or on an excel spreadsheet, as is the case in the Right-Click household), and you must do it even if your income is fluctuating because of self-employment. My future articles will discuss this step by step, but for now, please see this link to get an idea of how to do this. If you are married, you should be working on the budget with your spouse, or have one spouse do it and then the other one reads it and approves it. It needs to be a goal that both partners are working towards. The main rule is that no money gets spent in your household without being on that budget sheet, and that the budget is something that you are looking at each month, keeping up with, to make sure you&#8217;re staying on the road to financial peace. [...]</description>
		<content:encoded><![CDATA[<p>[...] Commit to having a written, zero-based budget for your household every month. This must actually be on paper (or on an excel spreadsheet, as is the case in the Right-Click household), and you must do it even if your income is fluctuating because of self-employment. My future articles will discuss this step by step, but for now, please see this link to get an idea of how to do this. If you are married, you should be working on the budget with your spouse, or have one spouse do it and then the other one reads it and approves it. It needs to be a goal that both partners are working towards. The main rule is that no money gets spent in your household without being on that budget sheet, and that the budget is something that you are looking at each month, keeping up with, to make sure you&#8217;re staying on the road to financial peace. [...]</p>
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