On this episode of the Personal Finance Podcast, we're going to talk about my personal budget categories. What's up everybody and welcome to the Personal Finance Podcast.

I'm your host Andy, founder of Dollar After Dollar.

And today on the Personal Finance Podcast we're going to be talking about

my personal budget categories and we're doing this episode because I've gotten an

incredible amount of emails from people asking what budget categories I use in my zero-based budget.

And if you didn't listen to the last episode that we just had, we were talking about the

various ways that you could set up your budget systems. And there's four ways that we talked

about within those budget systems. But the main two that I use are the reverse

budget and the zero-based budget. Now the reverse budget is what I told you is

the easiest for most people.

And I explain why in the last episode,

but the reason why it is the easiest for most people

is because all you do, you pay yourself first,

and then you spend what is left over after you save money.

And this is by far the easiest way to budget.

But if you want to have the most efficient budget,

then by far, my favorite way to do so is the zero-based budget.

What it does is it involves you giving every dollar that you make a job.

You allocate every dollar that you make, every dollar you earn, each piece of income that comes in you allocate

that towards what you want that money to do and that's why this budget is so

powerful because you're actually treating your money like a business and you're looking

for every opportunity to put your money like a business and you're looking for every opportunity to

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