Hey Y'all. It's Tara, your thrifty practitioner, who zero-base budgets and saves money using sinking funds and saving challenges. I started my journey in November 2023, as a result, in 2024, after over 25 years, I retired my pet "Student Loan". Now, I utilize zero-based budgeting to stay on tract financially while I continue to work on my bad spending habits, save for retirement & travel, and work to properly live paycheck to paycheck.

I challenge you to watch and learn how to consistently use a budget, sinking funds, and saving challenges/games to stay on track with your financial goals. I believe no matter your financial class you can always use a budget.