Why “Love The Zero”?

After my mentor lovingly outlasted my resistance to dealing with my financial health, one of the first positive feelings that sunk in for me was this loving the zero.

Huh? Love the zero? I know, stick with me, I’ll explain.

What my mentor taught me to do was use a spreadsheet and simply put income at the top, then subtract expected expenses and items to save for at the bottom. When income minus expenses and savings equals 0, we LOVE that, because that means we have planned out all of our money, and are therefore being conscious about the holistic picture of how we want to use our money. One of the tricks to making this work is to create the plan before the spending actually begins.  Read more…