Zero Based-Holiday Budget

1. Write down your monthly income

• Include your paycheck, side incomes, retirement income, etc.
  

2. write down your monthly expenses

• Food, clothing, shelter, gas, utilities, savings, etc.
  

3. write down your other expenses

• Gifts, wrapping paper, decorations, holiday dinner expenses, holiday attire, etc.

4. subtract your income from your expenses

• This number should be 0. Every dollar should be accounted for.