Dave Ramsey Allocated Spending Plan: Guide & Forms Aug 20, 2022 · The next step is to insert the expense data you collected in the monthly cash flow worksheet (Form #1, or via Rocket Money) into the allocated spending plan worksheet (Form #2). The goal is to budget to zero in each pay category. Budgeting to Zero: The term “budgeting to zero,” which is also known as zero-based budgeting, sounds confusing.