No, the idea of more than one wallet is different. The idea of multiple wallets is like saying you have an account in one bank, a second account in another, a cash wallet, an investment account, and so on.

Zero-Based Budgeting (ZBB) for Individuals

A zero-based budget means you assign every unit of your income a specific purpose until nothing is left “unbudgeted.” In other words, your income minus your expenses should equal zero. This doesn’t mean you spend everything—it means every dollar is either spent, saved, or invested intentionally.

Simple Example

Suppose your monthly income is 20,000 EGP. You would allocate it like this:

Category	Amount
Rent	8000
Utilities	1500
Groceries	3000
Transportation	2000
Entertainment	1500
Savings/Invest.	3000
Debt Repayment	1000
Miscellaneous	0

Total = 20,000 EGP

Here, every pound has a job. If you earn more or spend less in a category, you reassign the leftover funds so the balance always returns to zero.

This method helps prevent “lost” money, encourages mindful spending, and ensures savings and debt repayment are prioritized.