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YouTube Comments - 27 Comments
Top Comments of this video!! :3
The 50-30-20 budget is a good structure and has worked well for me. The 20% savings number doesn't mean that you have to necessarily put it in a bank account - it can (and does for me) include retirement investing. The 30% wants number (for me) includes a sinking fund for an annual vacation.
This one works well especially if you don't have debt outside of a mortgage. I highly recommend it. The best budget is the one you will consistently stick with and grows your wealth and gives you control.
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I was never able to make the zero based budget work for me. I prefer the 50/30/20, but I modify the categories slightly. 50% towards debt and savings, 30% towards regular bills, groceries, giving and transportation, 20% towards wants. I never overspend. I have paid off a ton of debt. I put a fair amount in savings and investing and I get to have money for the fun stuff. The more debt I pay off, the more of the 50% I get to allocate towards savings.
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I use the zero base budget. I love it
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I have a spread sheet that has monthly tabs for the entire year and calculates each month by all the bills that are paid that month, our take home pay, and what we spend. I have it so it estimates what we can have if we stick to the budget. I also use a modified 50:30:20 rule to calculate our budget, but our necessities are more like 30-35% of our income since we have no debt and our house is paid off. our monthly budget will automatically adjust based on the 30% depending on if our monthly necessities go up and down and how much over or under we go on our budget. it seems kind of complicated to anyone else that looks at it, but I'm also a civil engineer and spreadsheets are part of my job.
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Love the reverse budget, paying myself first. It just works.
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I use the 10, 20, 70 rule.
Give 10%, save/invest 20%, live on the rest!
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I learned zero based budgeting from my parents, before knowing it had a name. To me, it's always been the one that makes the most sense. I guess we also did a version of reverse budgeting, in that savings was always first priority, then bills/necessities, then wants, when distributing the income. I tried the 50/30/20 for a while, but those percentages never seemed to work for my particular life and circumstances. I've never heard of the 60% solution before, that sounds way too complicated to try when I already have something that works!
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I wish Every Dollar was available in Canada
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Any thoughts on velocity that I keep seeing pop up? Seems strange to put all costs on credit cards.
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I think ZBB is an approach that you can apply to all those other ones. 50/30/20 can still be Zero-Based Budgeted.
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Zero based via YNAB here. Only way to go.
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Just curious, if you use zero based budgeting and happen to have money left over at the end of the month, do you add it to savings or have fun with it? (Assuming no debt to use it on.)
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I don't do any of these methods but I'm not so arrogant as to think only one method works. I've been budgeting for 30 years and need a buffer for areas that flex. Zero doesn't work for me.
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How much do I budget for each category?
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i cant even figure out how to budget ive tried em all my shitz alwayz evrywhere but i am saving and investing and bills are paid every month
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I like 75/15/10 though I modified it to 65/20/15 I can’t get to 50/30/20 just yet.
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@mayraavila867
2 months ago
What works for me is still stuffing envelopes and writing budget and strategies on paper 😂
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