Your budget is not set in stone, so review it every month and adjust it to fit your life as it changes. The important thing is to be realistic and create a budget you can live with. If your income is larger, consider adding more to your savings so you can reach your goals a little faster! Or look for ways to increase your income until your expenses and income are aligned. Step 3: Total your expenses and subtract it from your income – If your expenses total more than your income, go back and adjust some of your flexible and discretionary expenses.
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