I can’t really remember when I first started the practice of budgeting. Well .. even if I tried, I won’t be able to recall what happened because it was more than a decade ago! (laugh) At the start, what I wanted was a simple method which I could use to manage my personal finances. I really wanted to get out of my negative net-worth status but at the same time, I wanted a fuss-free method that requires little effort to maintain. People end up using different ways of managing money because we all have different preferences and characteristics, so there isn’t really right or wrong when it comes to this. I guess the idea of a zero-based budget appealed to me because it was so intuitive and easy to understand. What is Zero-Based Budgeting? There are many different ways of explaining what it is, but I really like one : Zero-based budgeting is when our income minus our expenses equals zero....