Budgeting Methods · Zero-Based
Zero-based budgeting: give every MAD a job.
60% needs, 25% wants, 15% savings in SmartJib. Its core habit is assigning all income an explicit job rather than leaving money unplanned.
Core habit
Income minus allocations equals zero. Every dirham has a category. Prevents unassigned money from disappearing into small cash spends — see wallet leak guide.