I use a simple equation for budgeting - spend less and you will save money, spend more and you will only end up in debt. I set a budget at the beginning of each month. Since, I don’t have the time to work on all those numbers; I use budget worksheet to do the math, while I just enter the data. It’s really cool as I get to know how much I can spend during the month, so I can make a budget for other items such as having fun and going out.
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Expense tracking