Episode 8: Why Zero-Based Budgeting Can Save Your Family’s Future

This episode explores why zero-based budgeting isn’t just about numbers. It’s about building trust in your marriage, breaking unhealthy money habits, and creating a financial legacy for your family.

We talk about the tough conversations couples need to have before deciding on a budget, how honest money management strengthened our relationship, and why teaching your kids about money now can change generations.

This isn’t just about tracking dollars but about healing, teamwork, and vision.

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Example Budget Below: 

Let’s say you and your spouse bring in $4,000 for the month.

In a zero-based budget, you give EVERY dollar a job until you have $0 left unassigned.

It would look something like this:

Rent/Mortgage: $1,200

Utilities (electric, gas, water, Wi-Fi): $300

Car Payment & Insurance: $450

Groceries: $600

Gas/Transportation: $250

Tithes/Donations: $400

Emergency Fund Savings: $300

Debt Payments (credit card, student loan, etc.): $300

Fun Money (Date Nights, Small Treats): $100

Kids' Activities/Needs: $100

✅ Total Spent/Saved = $4,000
✅ Leftover = $0