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Organizing a Budget and Sticking To It

I heard from many of you, that you would like to know how to create a budget. The first step is to sit down and figure out your total income vs. total expenses. You can click on my Budget Template as a guideline to figure out how much you are over or under budget. Obviously we all want to be under budget. However, if you are over budget, there are additional steps you can take to reduce your expenses.

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