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As the daughter of famed money expert Dave Ramsey, Cruze is no stranger to living on a budget.
Recently,Cruze offered insight intohow first-time budgeters can get started.
A zero-based budget requires that you allocate every dollar of your take-home pay each month.
Every dollar is accounted for, whether you are saving it or spending it.
For a zero-based budget, this includes what you put into savings, debt, entertainment, etc.
Cruze then recommended tracking your transactions to ensure that you are staying on track and on budget.
Created by Dave Ramsey, this app allows you to create a customized budget and easily track your transactions.
There is a free version of the app with limited features or you could opt for the premium subscription.
Budgeting for the first time is a big step, but it isnt always easy.
As you dive in you may notice that you better make adjustments to your spending, she explained.
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