This means that what has been already spent is not automatically sanctioned. Past expenditures may serve as guide to but not to justify for future outlays. Traditional budgeting versus zero base budgeting This is actually a new technique of planning and decision-making. It ultimately reverses the working process of traditional budgeting. Keeping ourselves away from temptation is the first step towards debt management budgeting. 2. KEEP TAB OF INCOME AND EXPENSES Write down in your budget pad or software every debt you have, even the small ones. Number them according to importance. Between a house mortgage and a car mortgage, label the house mortgage as 1. Hopefully, it is less than your income in that particular month. Do not forget to double check your work by looking at it again. Make sure that you have not forgotten anything that you do not usually have on your monthy basis. Examples of these would be clothes and tax payments. You can leave your budget for an hour or so and come back to your checking, this way you can see things that you may have missed for the first time. You could also acquire other sicknesses without water since dirt will stay longer on your body. You must wash off immediately to avoid getting germ infections, but you also have to make sure that you use the water efficiently. The water you use for taking a bath can still be used for flushing the toilet or for cleaning the floor. All you have to do is scout, scout, scout: in the internet, thrift shops and local markets. The challenge lies on the second. Wedding budgeting is tricky. Wedding budgeting is not all about finding the cheapest supplies. It starts with dividing your money in percentages and putting them in their right places. For users of this budgeting program, they claim that it engages everyone in thinking about how they can better create value for organization. It develops a flexible budget based on activity work load that is not as rigid as ledger of the line item budgeting that pre-identifies costs eventhough that cost may not be of use at all.