A zero-based budget is one in which you allocate every cent of your budget so that you know where every dollar is going.

If you're looking to start the new financial year off on the right foot, June is a great time to get prepared. The first of July brings

Step 6 in the 6-step "How to budget" series is to track your monthly expenses against your monthly budget to ensure you stick to your budget

Step 5 in the 6-step "How to budget" series is to create your zero-based monthly budget and learn how to balance it at the end of the month.

Step 4 in the 6-step "How to budget" series is to track your savings to help you maintain focus on reaching your goals once you're debt free