Zabdiel's budget does not include any savings for an emergency fund. How could this impact his personal budget in the short term?

Without money set aside for emergencies, Zabdiel may not have cash available when an unexpected expense comes up, such as a car repair or medical bill. He may then need to borrow money or use credit, which can add debt and interest. The correct choice is C, “He may need to use credit or loans in emergencies.”

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