Saving money isn’t a matter of math—it’s a matter of priorities. We often tell ourselves we’ll start saving once we reach a certain milestone, like when we get a raise, we pay off the car, or the kids move out. But without healthy money habits, you won’t save money when you get that salary bump, when you own your car, or even when the kids are grown. You’ll only start saving money when you develop healthy money habits and your future needs become more important than your current wants. It’s not as overwhelming as it sounds. Yes, it requires dedication. But with a few tweaks to your spending priorities, you’ll be on the fast track to saving money in no time. Zero-based budgeting is simple! It’s just a way of budgeting where your income minus your expenses equals zero. That’s all! With a zero-based budget, you have to make sure your expenses match what’s coming in during the month and you’re giving every dollar a name.