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The Guardian - UK
The Guardian - UK
Business
Laura Whateley

‘Every penny has a purpose’: the rise of zero-based budgeting

George Kamel Monzo Starling
A couple going through documents and using a digital tablet at a table together at home.
Zero-based budgeting involves analysing each expense to see whether it still justifies allocating some of your funds to it. Photograph: PeopleImages/Getty Images/iStockphoto

Each month 20,000 people tune in to watch 27-year-old Beth Fuller work out how to spend her salary.

For a year and a half she has, on payday, opened a spreadsheet and written out in granular detail what she will owe in bills, exactly what she wants to do in the weeks ahead, how much it will cost and how much she intends to save.

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