Budgeting isn’t about restriction—it’s simply a plan for your money. By creating a budget, you gain control over your finances, allowing you to prioritize what matters most. Zero-sum budgeting ensures every dollar is accounted for, helping you avoid overspending and work toward financial goals with confidence and clarity. Ultimately, budgeting empowers you to make your money work for you, not the other way around.

Living on last month’s income gives you financial freedom by building a buffer, allowing you to break free from the paycheck-to-paycheck cycle. It simplifies budgeting, reduces financial stress, and gives you more control over your money. While it may take time to achieve, the benefits of peace of mind and flexibility make it worth the effort.