Zero-based budgeting at the top, sinking-fund contributions as line items underneath. Tag each as Need or Want. Resets monthly unless you flip rollover on.
Fixed expenses
$2,910 / $2,939Rent
Need
$2,400
of $2,400
Utilities
Need
$198
of $220
Internet
Need
$75
of $75
Phone
Need
$60
of $60
Subscriptions
Want
$88
of $95
Fitness
Want
$89
of $89
Variable expenses
$1,562 / $1,493Groceries
Need
$482
of $600
Restaurants
Want
$587
of $350
Shopping
Want
$188
of $200
Gas
Need
$142
of $180
Auto Insurance (sinking)
Need· sinking-funded
$163
of $163