Good news for Mumbai!
The city’s water reservoirs are 80% full, signaling relief from drought worries and monsoon uncertainty.
But here’s the catch...
💬 What if your bank account doesn’t have the same kind of buffer?
Just like cities need stored water for dry days, you need stored money for unexpected situations.
This is where a financial buffer—your personal reservoir—comes in.
And Vizzve Finance helps you build and refill it easily.
🌧️ What Is a Financial Buffer?
It’s a stash of money kept aside for:
Job loss
Medical emergencies
Sudden rent hikes
Travel delays or home repairs
Life curveballs (aka "Monsoon Surprises" ☔)
Think of it like the Tulsi Lake of your finances—hidden, reliable, life-saving.
💡 Why You Need a Financial Buffer (Even If You Save Monthly)
Just like Mumbai doesn’t rely only on daily rain, you can’t rely only on your monthly income.
Here’s why:
| Scenario | Without Buffer 😰 | With Buffer 😎 |
|---|---|---|
| Lost job | Panic mode, debt | Peace of mind, time to plan |
| Medical emergency | Loans or credit card trap | Instant access, no stress |
| Big purchase/repairs | EMI pressure | Pre-planned, paid in full |
📊 How Much Should Your Buffer Be?
Salaried Employee?
💼 3–6 months of expenses
Freelancer / Business Owner?
📉 6–12 months (income can be unpredictable)
💰 Vizzve’s Buffer Calculator helps you figure out your ideal amount based on lifestyle, income, and fixed commitments.
🧠 Where to Keep This Money?
You don’t need to lock it away forever.
Here are Vizzve’s top picks:
| Tool | Why It Works |
|---|---|
| High-interest Savings A/c | Easy access + interest |
| Liquid Mutual Funds | Withdraw anytime, slightly higher return |
| Flexi FDs | Penalty-free early access options |
| Vizzve Auto-Budget Wallet | Budget + buffer auto-built from salary |
🛠️ How Vizzve Helps Build Your Water-Tight Buffer
✅ Auto-categorizes your income
✅ Recommends how much to save monthly
✅ Moves small, smart amounts into a buffer wallet
✅ Notifies you if buffer levels are “dry”
It’s like a BMC water tracker—but for your money.
🚨 Don't Wait for a Financial Drought
Mumbai has 12 months of water, but what about your bank account?
One missed salary or unexpected bill, and you’ll feel the thirst.
Be your own municipality.
📈 Fill your finances during the monsoon, so you’re not scrambling during the summer.
Final Word: Peace Comes from Preparation
Water in lakes = Stability for a city.
Money in buffer = Stability for you.
With Vizzve Finance, building a buffer is:
Stress-free ✅
Smart ✅
Totally automated ✅
💬 If Mumbai is ready for a dry spell, so should you be.
❓FAQs
Q1: What’s the difference between savings and a buffer?
Savings are goal-oriented (vacation, gadgets).
A buffer is a shield—only for emergencies or income loss.
Q2: Can I use my fixed deposit as a buffer?
Yes, but only if it's liquid or allows premature withdrawal without loss.
Q3: I live paycheck to paycheck. Can I still build one?
Absolutely. Start with ₹100/week. Vizzve rounds up your daily spends to help grow it slowly.
Q4: Where should I not keep my buffer?
Avoid locking it in long-term FDs, stocks, or PPFs—emergencies need liquidity.
Q5: How will I know when my buffer is full?
Vizzve will track your goal and alert you once you hit your target amount.
Published on : 18th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.