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Budgeting

If you don't control your money, your money will control you.

Top 5 Reasons for Creating a Budget:

1.      Creating a budget is essential to gaining the upper hand on your finances.

2.      Financial success never comes from chaos.

3.      You have to know where your dollars are going, before you make them go where you want. 

4.      A budget gives you a visual clue that you are overspending in a specific area.

5.      You can have the privilege of knowing that you can do something our government cannot do.

Budget Essentials/ Principals

• Review your bank statements or records to identify where your money is going.

• Categorize your spending - be honest with yourself, and determine what a reasonable dollar amount should be budgeted for each category.

• Eliminate impulse spending.  Major purchases must be planned for.

• Buy Used.

• Prioritize your spending.

• Learn where and how to save money. (View the sites available on the Discounts and Classified pages.)

• Don't waste money. (View the sites available on the Debt Management page.)

• If you spend it, then record it.

• Review and update your budget frequently.

• To have a successful budget, your expenses cannot be greater than your income.

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