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Zero-based budgeting might sound like an accounting term best left to big organisations, but it can also be a practical tool for managing personal finances. Originally developed in the late 1960s, zero-based budgeting has made a comeback as people look for more disciplined ways to manage money. Unlike traditional budgeting, which often uses the previous period’s spending as a starting point and increases it slightly, zero-based budgeting starts from scratch each time. That me