Stop the cycle of budgeting and quitting. This ultimate guide teaches you how to create a realistic budget based on your actual spending habits—not a perfect fantasy. Learn to use a zero-based budget, plan for surprises, and build a financial plan you can actually maintain.

Master your money with a zero-based budget. This comprehensive guide for beginners breaks down the simple system of giving every dollar a job, from tracking your income to planning your spending. Learn how to create your first budget and finally tell your money where to go.