There is a concept in accounting called zero-based budgeting. Essentially, it means you build a budget from scratch and have to justify every expense. Instead of thinking about 15% growth in sales or 10% reduction in costs, you ask “What’s possible?” This radical budgeting is a welcome change, because...budgeting is boring. What’s more exciting is to employ a similar concept to your life. Even better is to use zero-based planning to live… Continue reading