1For three months, Matt and Emily have been on a zero-based budget. It hasn't balanced yet. Dave says it takes three months, but they're discouraged. Emily prepares it and Matt gives input. But they always blow itusually in eating out, entertainment or the recreation amount. They come to you for help. They think the problem isn't the numbers, but rather the concept. Explain to them how a zero-based budget works and what to do when it doesn't.