Budgeting is crucial to my success
Surplus of cash, why not zero budget
In a box on the bottom left of my budget is an amount labeled Surplus. I feel this is totally against the principle of the zero budget that is my goal. So I think I need to explain this a little more.
The surplus isn't really surplus in my mind. It's got a purpose that is undecided at the time of the budget. All the money under expenses gets withdrawn into my envelope system after payday. It's fun, I get to see my banker I get to feel cash for a little while. And then it gets spent on the budgeted item.