1. Budget every month before the month begins. 2. Budget to zero. 3. Track every expense. 4. Review your spending habits. 5. Set a realistic budget. 6. Make adjustments. 7. Create a “Miscellaneous” category. 8. Budget for annual and semi-annual expenses. 9. Save for big purchases a little at a time. 10. Budget for fun. 11. Understand the difference between needs and wants. 12. Give yourself grace. https://www.everydollar.com/blog/budg…
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