1. Inflation proof your budget
To help tackle any financial curveballs, organise your accounts with purpose. Don’t just dump everything into one bank account. I personally operate on a zero-based budgeting system; assigning a purpose to each dollar of income, ensuring all expenses are justified and (more importantly) not paying more than I have to.
Ideally, you want one main transaction account and then several other accounts that are clearly labelled (bills; splurges; emergencies, etc.). Your pay goes into the main account then funds are automatically dispersed into the appropriate “buckets”.
You need to work
