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  • gosh, I wish I knew of a way to keep myself from overspending!
  • what's that?
  • I know a way! it's called a budget, I prefer using something called a zero based budget.
  • it helps people spend money wisely and stay organized!
  • a budget is an estimate of income and expenditure for a set period of time.
  • a zero based budget is when you put 50% of your income into needs, 30% into wants, and 20% into youre savings and you should have $0 left over when you're done!
  • Wow! Thanks for telling me about that, I have to start using it
  • A budget can also help you with your long term goal as well!
  • I'm need to start using a budget when I get my next paycheck!
  • 
  • And don't forget, keep your eye on the prize!
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