💰 The Zero-Based Budget Reset Worksheet
Free Worksheet — UpFromZeroHQ.com
Section 1: Monthly Take-Home PayTOTAL: $_______
Primary job / paycheck$______________
Second job / side income$______________
Other income (freelance, benefits, etc.)$______________
Section 2: Fixed ExpensesTOTAL: $_______
Rent or mortgage$______________
Car payment$______________
Car insurance$______________
Subscriptions (Netflix, gym, etc.)$______________
Loan minimums (student, personal, etc.)$______________
Other fixed expense$______________
Section 3: Variable NecessitiesTOTAL: $_______
Groceries$______________
Gas / transportation$______________
Utilities (electric, water, internet)$______________
Phone bill$______________
Section 4: Debt Extra PaymentsTOTAL: $_______
Extra payment on priority debt$______________
Other extra debt payment$______________
Section 5: SavingsTOTAL: $_______
Emergency fund$______________
Sinking fund (car repair, holidays, etc.)$______________
Retirement contribution (401k/IRA)$______________
Section 6: Fun / DiscretionaryTOTAL: $_______
Dining out / takeout$______________
Entertainment / hobbies$______________
Shopping / clothing$______________
Everything else$______________
Income − All Categories = Should Equal $0Balance: $______
If your balance isn’t $0, keep adjusting categories until every dollar has a job.
“Give every dollar a job before the month starts. Zero left over means zero wasted.”