student budgeting
Banking Lulls Students Escape Zero‑Spend Trap
Banking Lulls Students Escape Zero-Spend Trap Zero-spend does not mean zero savings; it simply postpones necessary expenses and creates hidden costs that erode a student’s financial health. The myth that avoiding any extra purchase automatically boosts savings ignores cash-flow realities and can lead to larger deficits. In 2025, ChatGPT