Build Your Budget
Think of your budget as a planning device, a means of setting and reaching your goals. You project future expenditures (including savings), record them when they're made, and see whether your projections were any good. If they aren't, you adjust your planning or your spending, whichever is out of line. Use the budget worksheet. There's space to enter a month's expenditures; we do the addition and subtraction for you.
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