Budgets have quite a reputation, however if you want to pay off debt, budgets can be really helpful. I don't think my debt payoff would have been as efficient without budgeting. I'll describe how I budget and how my zero-based budget helps me know how much money can be put towards my debt payoff each month. 

*Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.*

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