My zero-based budget felt like a punishment until Tuesday
I spent 2 years in Denver doing the 50/30/20 thing and just threw whatever was left at debt, felt fine about it. Then my friend showed me her zero-based spreadsheet where every single dollar had a job, even a $15 'fun money' category for coffee. Watching her assign my rent and groceries down to the cent made me see my old method was just guessing with extra steps. Anyone else flip flop on budgeting styles after seeing one that clicks?}