Zero Based Budget - Financial plan where every anticipated earning is assigned a role to be spent, saved, or invested somewhere, so there's no "leftover" money with no purpose, Pay yourself first - To automatically save a specified amount from your paycheck before budgeting it into any other category, Net Pay - Total earnings after payroll taxes and other deductions; also called take-home pay, Expenses - Products, services, or bills you are responsible for paying, Salary - A fixed amount of money paid to an employee for each pay period., Variable Expense - Cost that appears irregularly or that changes in amount (e.g., utility bills), Fixed Expense - Cost that can be expected at regular intervals and that remains the same amount (e.g., monthly rent payment), Surplus - When your income exceeds your expenses and you have money leftover, Residential lease - A contract between a tenant and a landlord providing the rules and costs for renting the property , Freelancer - An independent contractor who provides a specific service for a certain period of time so after that service is fulfilled they no longer work with the company., Deduction - Any items subtracted from your paycheck, including state and federal income taxes, Social Security, health insurance or 401(k) contributions, Wage - An amount of money paid to an employee at a specific rate per hour worked., Wants - Nonessential purchases a person wants to feel happy, make life convenient, fit in with peers, etc, Cash Envelope Budget - Financial plan where money for all variable spending is taken out in cash and placed in labeled envelopes by budget category and then spending occurs only from the envelopes, Deficit - When your expenses exceed your income, Income - Money that is earned from work, investments, business, etc., Gross Pay - Total earnings before any deductions are taken, Gig Economy - A labor market where the majority of people have short-term jobs or gigs such as freelancing and temp jobs rather than long-term employment, Needs - Purchases a person must have to live or succeed or bills that must be paid to remain in good standing, Cost Of Living - The amount of money needed to sustain a certain level of living, including basic expenses such as housing, food, taxes, and healthcare; often used when comparing how expensive it is to live in one city versus another,

NGPF Budgeting

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