January → February Budget Check-In | When “Assigned to Future” Breaks Zero-Based Budgeting скачать в хорошем качестве

January → February Budget Check-In | When “Assigned to Future” Breaks Zero-Based Budgeting

In this budget by paycheck check-in, I’m wrapping up the end of January and looking ahead into February using the Budget Mom Budget by Paycheck Workbook. One issue I’m working through is how “assigned to future” money shows up in the workbook. While it works digitally, it doesn’t translate cleanly on paper—and that can make end-of-month reconciliations feel off when you’re committed to true zero-based budgeting. I walk through how I’m thinking about handling this going forward so the numbers stay honest and clear. I’m also deciding how to apply my $1,100 tax refund once it arrives. Right now, I’m weighing two options: -- Applying it toward the HELOC balance, or -- Putting it into the refrigerator sinking fund to prepare for a future replacement No final decision yet—just real-time thinking through priorities, trade-offs, and what best supports the overall plan. If you budget by paycheck, use a paper workbook, or are navigating how to keep zero-based budgeting clean across months, this one’s for you. Grab your glasses and your favorite beverage, and let’s get to it. 📒