If you decide to create a zero-based budget, it's important to make sure all of your spending categories are realistic.
Before you create a zero-based budget, try tracking your spending for one month to ensure that you have an accurate picture of your finances.
A budget that uses all of your expected income is called a zero-based budget.
However, creating a zero-based budget does have one potential drawback.
For example, estimating that you typically spend $100 per month on new clothes when this number is actually closer to $300 will guarantee that your zero-based budget fails.