Why is it when someone mentions the word budget, everyone makes a bad face? No one smiles and exclaims, yes! People only think of bad things to say. The first implication is that you are stingy. However, what Zilch wants you to think is something more like economical.
People think that if someone wants to do something fun or buy a hat looks nice and it’s not in your budget, you can’t do it. That is far from true. A budget does not tell you what you can or can’t do. It is a guideline for how you want to allocate your money for the time period which you are tracking.
People are afraid of the word budget. It sounds scary and intimidating. Zilch reminds you that is neither of those things.
Life is full of both needs and wants. You ‘need’ to buy food, pay your rent and buy gasoline. You also ‘want’ to have higher speed internet, a gorgeous pair of boots that are on sale or a steak for dinner.
Today, with advances in technology and banking a website like Zilch can move you from traditional budgeting to the twenty-first century. Zilch also makes it easy to buy now and split your charge to 4 payments in 6 weeks and with no fees or interest, an APR of zero percent.
After you determine what you have to spend and what you need to cover your expenses, you can then turn to a vitally important part of your budget, saving for emergencies. We all have them but they become catastrophic if you are not prepared for them.
You need to budget for all your needs before you allocate for your wants, including emergencies. Your Zilch enabled budget helps you accomplish and it is a beautiful thing!