A budget is only a spending program. Simply put, it is the way to track where your money is going. When you start deciding that you wish to budget you should seriously think about monthly budgeting and to get a means to track your day-to-day expenses and then every month you'll be able to observe where you money went and how much you didn't spend. The next step you should take is creating your budget for the present month. Breaking your budget down into categories is the trick to budgeting.
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