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how to make a budget
the first step is to define your financial goals
then you need to take a stock of your finances – income , expenses , debt
then take your monthly salary and allocate a certain percentage towards each of your goals – utilities , paying down debt , fun ,etc
then automate the savings part
to keep track of your expenses , you can use excel or one of the following tools – mint , personal capital , you need a budget or perfios
keep track of your money and don’t get frustrated if you don’t get it right the first or the second or the third time – you will get it eventually