You know how much your expenses are. You know how much you can save. —But do you know your Monthly Margin Amount?
pāyZero® Incorporated introduces the concept of “Using The Bank To Recirculate Your Money for Profit” by combining Digital Envelope Banking with Float25™, a Digital Margin System (DMS) online banking system used by the founders of Pink Financial Bank arriving in 2022).
We use the combination of Digital Envelope Banking and our DMS to scrape for all the margin made available as you get paid, bank, and handle expenses using electronic bill-pay. (Usually up to 25% of your total costs) and uses that money to cover your minimum monthly debt payments. This way, your auto loan is paid with Margin independently from your household budget.
Throughout modern history, households have paid their bills as they arrive. Meaning when you get a bill, you pay it—dollar for Dollar (1:1). In most cases, that is right around payday. While that seems like the right thing to do, the constant rising “cost of living” may force a household to modify its budget to keep up. If a financial surprise happens, you may have to move more expensive bills to the next paycheck. Robbing Peter to pay Paul eats at your savings and makes budgeting very frustrating. We call that vicious cycle “Pay as You Go Budgeting.”
Our Managed Services will reveal your household’s Monthly Margin. The DMS allows us to calculate your highest possible Margin amount recirculating your money generates; (as much as 25% of your total monthly expenses) and cover your total monthly costs and expected monthly savings on the remaining 75%. Our calculations will place your money into a position to pay bills on an electronically calculated schedule. Hence, as bills arrive, your expense money is already there in time for electronic bill-pay. All without you experiencing a Non-Sufficient Funds notice. We call that “Banking Ahead.”
Affordable:
Float25™ changes how you bank from pay as you go budgeting to banking ahead of your expenses using algorithms. Banking ahead of your costs allows your account(s) to cover all your monthly payments, including your average monthly savings while generating 12% – 25% in Margin.
Float25™ uses a simple “Addition by Subtraction” calculation designed explicitly so people with a steady income and direct deposit can afford to contribute towards wealth planning without exhausting their budget.
- No manual budgeting
- No cutting expenses
- No special payment arrangements
- All done without you experiencing an NSF
You see, it’s NOT about how much your bills cost you per month. It’s about recirculating your money between accounts to find the exact amount of digital dollars needed to flow through your checking account(s) that will cover your expenses until your next payday; without you experiencing an NSF. Your Margin is considered New, Investable Assets. Banks have been keeping this information away from you. Now it’s your turn to collect your Margin.
Is The Automatic Banking System™ Safe?
We support Float25™ because it uses safe banking practices to find you money without asking you to cut expenses. The instructions and results are unique to your household and based on your total net monthly income, expenses, and savings. Float25™ is the “New Way to Bank.” That means when you follow our instructions; you have ensured the safety of having all your bills paid on time as usual and all of your monthly savings like normal.