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Personal budget items12/11/2022 ![]() ![]() Remember, a budget represents your spending plan for each month and helps you keep enough cash on hand to cover your expenses. ![]() Create Your Budget Once you've determined your income and essential expenses, it's time to create a budget.Subtract this amount from your monthly income to determine how much is left over for discretionary spending. ![]() With that done, add up the total cost of your essential bills for each month.
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