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A budget planner is a tool, such as a worksheet, that you can use to design your budget. A successful budget planner helps you decide how to best spend your money while avoiding or reducing debt.

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Let's do this.) Subtract all your expenses from your income. This number should equal zero, meaning you just made a zero-based budget. This is key: A zero-based budget doesn't mean you let your bank account reach zero. (Leave a little buffer in there of about $100-300.) It also doesn't mean you blow all your money.