The changes in my insurance with moving to the High Deductible Plan caused my premiums to go down so I am now getting $90.08 more per paycheck. I had decided to put in $75 towards my Health Savings Account so that means I have a net gain of $15.08 on my zero based budget. I have decided to ignore that $15.08 and act like it is not even there. This way that money will go into my checking account buffer which is my personal overdraft protection.

I have moved some budget figures around a bit and increased some areas of spending, while decreasing other areas. The beauty of a budget like mine is that I can move money around and as long as I stay within the total amount I am okay. Of course it helps that I have overestimated most of my categories but still managed to make a budget that is less than what my actual monthly salary works out to be.