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Merge pull request #86 from deanblackborough/main
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‎config/app/config.php‎

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'item_subtype_id' => env('ITEM_SUBTYPE_ID'),
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'cookie_user' => env('SESSION_NAME_USER'),
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'cookie_bearer' => env('SESSION_NAME_BEARER'),
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'version' => 'v1.12.0',
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'release_date' => '11th October 2023',
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'version' => 'v1.13.0',
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'release_date' => '22nd June 2025',
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'exception_notification_email' => env('EXCEPTION_NOTIFICATION_EMAIL'),
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'timezone' => 'UTC', // We can allow users to override this later
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];

‎resources/views/what-is-budgeting.blade.php‎

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<head>
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<meta charset="utf-8">
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<meta name="viewport" content="width=device-width, initial-scale=1">
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<meta name="description" content="When you start tracking your money, you need to decide which budgeting approach to take. We explain zero-based, 50/30/20 budget plan and reverse budgeting here.">
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<meta name="description" content="If you're wondering what budgeting is, here we explain the concept as well as the different approaches to budgeting including zero based and the reverse budget.">
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<meta name="author" content="Dean Blackborough">
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<title>What is Budgeting?</title>
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<link rel="icon" sizes="48x48" href="{{ asset('images/favicon.ico') }}">
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<link rel="icon" type="image/png" sizes="192x192" href="{{ asset('images/favicon.png') }}">
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<link href="{{ asset('css/app.css') }}" rel="stylesheet"/>
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<x-layout.open-graph title="What is Budgeting?" description="When you start tracking your money, you need to decide which budgeting approach to take. We explain zero-based, 50/30/20 budget plan and reverse budgeting here." />
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<x-layout.twitter-card title="What is Budgeting?" description="When you start tracking your money, you need to decide which budgeting approach to take. We explain zero-based, 50/30/20 budget plan and reverse budgeting here." />
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<x-layout.open-graph title="What is Budgeting?" description="If you're wondering what budgeting is, here we explain the concept as well as the different approaches to budgeting including zero based and the reverse budget." />
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<x-layout.twitter-card title="What is Budgeting?" description="If you're wondering what budgeting is, here we explain the concept as well as the different approaches to budgeting including zero based and the reverse budget." />
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</head>
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<body>
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<x-layout.navbar activeRoute="budgeting" />
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and out goings, thus creating a plan for how you’ll spend your money. It’s that simple.
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</p>
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<p class="mt-8 text-xl leading-8 text-gray-500">
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<x-helper.control.link.text :route="route('how-to-start-budgeting')" label="Starting a budget" />
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can help you to determine whether you’ll have enough cash-flow to do what you need/want to and can
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help you to identify where you might be able to make savings.
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<x-helper.control.link.text :route="route('how-to-start-budgeting')" label="Starting a budget" />
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can help you to determine whether you’ll have enough cash-flow to do what you need/want to
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and can help you to identify where you might be able to make savings.
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</p>
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<p class="mt-8 text-xl leading-8 text-gray-500">
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Budgeting can also help you to build up an emergency fund so that you're prepared for those
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unexpected costs which catch most of us out.
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Budgeting can also help you to build up an emergency fund so that you're prepared for
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those unexpected costs which catch most of us out.
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</p>
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<p class="mt-8 text-xl leading-8 text-gray-500">
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There are several different approaches to budgeting and
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what works for one person, may not work for someone else.
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You can read about <x-helper.control.link.text route="https://budget-pro.costs-to-expect.com/our-budgeting-story" label="our-budgeting-story" />
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and the approach we decided to adopt.
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There are several different approaches to budgeting and what works for one person, may not
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work for someone else. You can read about
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<x-helper.control.link.text route="https://budget-pro.costs-to-expect.com/our-budgeting-story" label="our-budgeting-story" />
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and the approach we decided to adopt on Budget Pro.
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</p>
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</div>
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<div class="prose prose-lg prose-indigo mx-auto mt-6 text-gray-500">
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<h2>Zero-based budgeting</h2>
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<p>
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The aim of this approach is to ensure that every single pound (dollar/euro etc) of your
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income is accounted for in your expenditure. Your income minus your expenses equals zero
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every month.
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The aim of this approach is to ensure that every single pound (dollar/euro etc) of your
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income is accounted for in your expenditure. Your income minus your expenses equals
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zero every month.
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</p>
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<p>
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So if you earn &pound;2,000 per month, you will plan where every single &pound; will go.
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So if you earn &pound;2,000 per month, you will plan where every single &pound; or $ will go.
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</p>
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<h2>50/30/20 Budget Plan</h2>
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<p>
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This is a common budget approach and allows much more flexibility. The goal is that 50&percnt; of
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your income goes towards the essentials - food, mortgage/rent and bills. 30&percnt; goes towards
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"wants", or what we call the "fun stuff" – takeouts, days out and holidays.
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This is a common budget approach and allows much more flexibility. The goal is that 50&percnt;
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of your income goes towards the essentials - food, mortgage/rent and bills. 30&percnt; goes
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towards "wants", or what we call the "fun stuff" – takeouts, days out and holidays.
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</p>
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<p>
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Yes, you read that correctly - a budget is not about restricting what you spend, more
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about planning what you spend.
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Yes, you read that correctly - <em>a budget is not about restricting what you spend</em>,
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more about planning what you spend.
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</p>
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The last 20&percnt; of your income goes into savings or investments.
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</p>
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<p>
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<x-helper.control.link.text :route="route('register.view')" label="Our Budget Calculator" />
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provides an indication of which categories your expenses fall into.
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</p>
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<h2>The Reverse Budget</h2>
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<p>
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This method of budgeting turns the traditional approach on its head by putting saving ahead
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of any other expenses. Save first and then spend. This prioritises your financial goals such
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as paying off debt or saving for a mortgage. Once you have put money towards your financial
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goals, you then pay your essential costs.
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This method of budgeting turns the traditional approach on its head by putting saving
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ahead of any other expenses. Save first and then spend. This prioritises your financial
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goals such as paying off debt or saving for a mortgage. Once you have put money towards
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your financial goals, you then pay your essential costs.
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</p>
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<p>
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With this budgeting method, you won't have much left over but whatever you have can be
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With this budgeting method, you won't have much left over but whatever you have can be
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spent on the "fun stuff".
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</p>
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<p>
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This approach to budgeting was coined by former MSN Money editor-in-chief
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<x-helper.control.link.text route="https://web.archive.org/web/20130127123532/http://web.utah.edu/basford/personalfinance/handouts/budgeting/The60Solution.htm" label="Richard Jenkins" />,
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who realised that traditional budgeting methods just weren't effective for him. His
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budgeting approach is that 60&percnt; of gross income should go towards what Jenkins calls
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"committed expenses" – mortgage, food, clothing etc. Jenkins acknowledges that 60&percnt; isn't a
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who realised that traditional budgeting methods just weren't effective for him.
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His budgeting approach is that 60% of gross income should go towards what Jenkins calls
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"committed expenses" – mortgage, food, clothing etc. Jenkins acknowledges that 60% isn't a
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magic figure – just what works for his circumstances.
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</p>
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<p>
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The remaining 40&percnt; is divided equally and allocated into four pots: retirement savings,
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long-term savings (for bigger purchases), short-term savings (for holidays) and the
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The remaining 40&percnt; is divided equally and allocated into four pots: retirement savings,
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long-term savings (for bigger purchases), short-term savings (for holidays) and the
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all-important "fun stuff".
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</p>
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<p>
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Whatever your <x-helper.control.link.text :route="route('reasons-to-start-budgeting')" label="reason for starting a budget" />
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or whichever method of budgeting you opt for, our Budget App will help you take control of your
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finances and plan your spending. <x-helper.control.link.text :route="route('landing')" label="Let's get started" />.
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Whatever your reason for starting a budget or whichever method of budgeting you opt for,
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our <x-helper.control.link.text :route="route('landing')" label="Free Budget App" />
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will help you take control of your finances and plan your spending.
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However, if you’d like more advanced features for managing your budget, you can try our
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<x-helper.control.link.text route="https://budget-pro.costs-to-expect.com" label="Budget Pro App" />, it is free for the first 30 days and then just &19.99 for a lifetime license.
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</p>
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</div>

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