Keeping a budget can seem daunting or restrictive at first, especially if you’ve never had one before. But a budget can offer you peace of mind and give you more confidence in managing your finances. Rather than worrying about money, you’ll know exactly what you and your cash flow are up to. With that knowledge, you can better decide what you spend and what you save.

Remember, you don’t need to have the perfect budget right away. A basic budget is all you need to take charge of your finances—and help achieve more of your financial dreams.

What is a Budget? 

A budget is a financial outline for your income and expenditures for a certain period of time, such as one month. With a budget, you can track the amount you’re making compared to what you’re spending and saving. You can maintain a budget with a spreadsheet, paper and pen or through a budgeting app.

How to Create…

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