To create a budget, start by listing your monthly income and all your expenses,

To create a budget, start by listing your monthly income and all your expenses, including fixed costs
You can track your spending using budgeting apps, spreadsheets, or even a simple notebook.
Focus on paying for the essentials and saving before buying non-essentials.
Set specific savings goals, automatically transfer money to your savings account, and look for discounts or promotions when you shop.
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