Used to pay cash for planned monthly expenses

Bidding on items

Motivation to work

A zero-based budget means you have spent every dollar of income on paper before the month begins

Earning money based on the work you do

Must have money in the bank in order to use

Bargaining for a lower price

Attitude about yourself

The United States is one of the few countries in the world where negotiating is a way of life

Bargain hunting takes a lot of

Buying without thinking

Payer a lower price for an item

Taking responsibility

If you are single, it is not necessary to have an accountability partner

A deal to set up when negotiating

Used when you don't have a predictable monthly income

Emotional, visual and has immediacy

Likes dealing with numbers

Personal finance is 80% behavior, 20% knowledge

A written cash flow plan is done every...

Checking your bank statement against your account register

The ability to leave if you are not satisfied with the price offered

Usually running late to appointments

Another name for a budget is a cash flow plan.

The amount of time it takes for your budget to start working effectively