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What Is Zero-Based Budgeting for Personal Finance?

01st March 2025

If you are tired of watching your paycheck disappear without knowing where it went, zero-based budgeting for personal finance could be the answer. Unlike other budgeting methods, this approach gives every pound of your monthly income a job, whether it is paying bills, tackling credit card debt or boosting your emergency fund.

WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Multi Month Loans

How much would you like to borrow:

£200

£750

How long would you like it for?

3 months

6 months

Your monthly repayments are:

Total amount to be repaid:

Annual percentage rate:

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Representative Example: £200 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £355.99 in monthly instalments of £65.11, £78.35, £64.05, £58.76, £48.16 and £41.56. This is based on the amount of credit plus interest, no other fees apply. Representative 1266.2% APR

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What Is Zero-Based Budgeting for Personal Finance?

How much would you like to borrow:

Your monthly repayments are:

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