Budgeting is hard. 50\% of Americans have less than one month’s income saved for emergencies. Experts recommend at least six months. The problem, however, may lie with flawed budgeting advice. Traditional budgeting methods ask you to examine how much money you expect to earn in a month and how much you expect to spend. It’s… How Zero-Based Budgeting Can Help You Better Manage Your Finances is a post from the Money Crashers personal finance blog.