Pexels/www.kaboompics.com Tired of budgeting that never works? Zero-based budgeting gives every dollar a purpose. Learn how to start in five simple steps, with real examples. April 28, 2026 Why Your Current Budget Probably Isn't Working You've tried budgeting before. Maybe you downloaded an app, tracked a few expenses, and felt that rush of control. Then, three weeks later, you forgot to log a coffee, the app sent a passive-aggressive notification, and you gave up. You are not alone. According to a 2022 study by Debt.