Add your income and expenses to this monthly budget planner ... Zero-based budget: People who overspend or are meticulous about tracking their cash flow may benefit from a zero-based budget.

But Ryan Guina, the founder of Cash Money Life and ... And be sure to check out the template below to help you get started. How to make a budget While a monthly budget can easily be tailored ...

As a result, even if you make enough income to cover all your expenses by the end of a month, you could still have cash flow shortages on certain days. Budgeting ... For example, if you expect ...

Business budgeting ... For example, most retailers experience heavy sales from October to December. If your business will be highly seasonal, you'll have wide-ranging changes in cash-flow needs.

It will be money well-spent. And once you start the process, you have the template to continue as necessary. I like to have both a monthly budget and cash flow reports to which I can compare ...

“To track yours, start by adding up all of your income sources and then subtracting your required monthly expenses ... your cash flow – by trimming fat from your budget or adding additional ...

Opinions expressed by Forbes Contributors are their own. True Tamplin is on a mission to bring financial literacy into schools. Budgeting is fundamental to achieving financial well-being.