Welcome to my world! I am a paycheck to paycheck budgeter. I am a true believer in zero-based budgeting. In fact, I believe it is one of the main reasons I was able to take control of my financial beast. If most or all of your income is entirely focused on your paychecks, shouldn’t your expenses also be focused on your paychecks too? Click to read about why I budget paycheck to paycheck.