The simplest way I have found to do this is as follows:
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First we want to check the value to see if there is anything entered in there. Hence “less than or equal to $0 or EMPTY”.
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If value is empty, then set the property to be 0.
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If value is not empty or is greater than $0 then “go to action”
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This second action is repeating the same steps as above on the next value that needs to be checked.
I do like the method above using calculated values but if you are not on an enterprise account then you need to use your 5 calulated fields sparingly.