• BUDGET PLANNING AT ITS BEST: Achieve your Financial Goals and Use the ZICOTO budget tracker to set new financial standards in your life, monitor your monthly income, savings, debts & daily expenses
  • CREATE FINANCIAL FREEDOM: Start your journey to long-term financial freedom today! The finance planner allows you to track monetary flow & to review each area for improvements; This 12-Month budget book is your chance to develop monthly habits, monetary strategies & action plans
  • BRING IT ON – ANY TIME & ANY PLACE: The budgeting planner is undated, so you can start at any time; Thanks to its perfect size of 5.5×8” (smaller than A5) the financial notebook fits in every bag & is always at hand
  • GORGEOUS & FUNCTIONAL: The hardcover budgeting book is available in 6 beautiful colors and is designed for easy & effective budget planning. It comes with practical features such as an elastic band & a sturdy pen loop
  • STICKERS, HOW TO’S & MOTIVATION: ZICOTO gets you started & keeps you going! The 2021-2022 budget keeper includes 2 sticker sheets for personal creativity, planning instructions, plus inspirational quotes on each review page to help focus on your goals


“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver” – Ayn Rand
So, get behind the wheel and take control of your finances and your options. This personal budget planner is simple but effective and makes it easy for you to gain and keep financial control and works well with the Dave Ramsey model.

Start whenever & continue wherever you want!The budget journal is non-dated, so you can start at any time.

The perfect size of 5.5”x8” (smaller than A5) makes it easy to take the budget planner anywhere with you.

The planner is available in 6 different colors, comes with a soft surface and features an elastic band and a sturdy pen loop.

The financial budget planner is all in one – monthly income, savings, debt & bill planner, daily expense tracker, budget organizer & more:

  • Financial goal setting
  • Strategy & action plans
  • Monthly bill tracker
  • Saving and debt tracker
  • Monthly income, savings & budgeting
  • Daily expenses
  • Month & year-end review for reflection & to boost your learning curve
  • Plus: Christmas tracker to enjoy the best time in the year without financial worries
  • Notes section

Start your journey to financial freedom today and add the ZICOTO budget planner to your cart now!

Instructions – How to create a successful Budget