![]() ![]() Where is your money really going? Don’t be tempted to guess or estimate. Do not include overtime pay, because you shouldn’t rely on that as regular income. Figure your available income (the amount of your take-home, or net, pay). Think about what you want to accomplish financially in the next three months, the next year, and the next three years. Make a list of your values. Write down what matters to you and then put your values in order.How do I start a budget planner?įollow the steps below as you set up your personalized budget: Once you know where you’re spending, you can start to alter and prioritize what you do with your money to enable you to stick within your means. Keeping track of your finances can play an important role in the pace you improve your savings account balance and save money for your dream vacation, house or car. Yet before you can address this, it’s important to get an accurate idea of the size and scale of the problem. If you’re eating up your savings or building up debts, you’re likely to be overspending. In the world of consumerism, it’s easy to spend a few bucks here and there to suddenly find out that you exceeded your daily, weekly or monthly budget. ![]() The ability to manage your cash flow and track your income and expense is vital. THE BEST PART IS: you don’t have to be a financial specialist to manage a budget □ Why should I track my spending?
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