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> Monthly Budget
Monthly Budget
Income Section
Gather all sources of income (salary, freelance work, investments, etc.)
Calculate total monthly income
Expense Section
List fixed expenses (rent/mortgage, utilities, insurance, etc.)
List variable expenses (groceries, entertainment, dining out, etc.)
Estimate discretionary spending (clothing, hobbies, etc.)
Savings Section
Determine savings goals (emergency fund, retirement, vacations, etc.)
Allocate a portion of income to savings
Debt Management Section
List all outstanding debts (credit cards, loans, etc.)
Calculate total monthly debt payments
Plan to pay down high-interest debts first
Review & Adjust Section
Compare total income to total expenses
Identify areas to cut back if expenses exceed income
Adjust budget categories as necessary
Final Steps Section
Document the finalized budget
Set reminders for monthly budget reviews
Keep track of spending throughout the month to stay on budget
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