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Budget Basicsorksheet Basic Printableorksheets For All Download And Photo Hd Basics Worksheet

If you already own your home or you're locked into a lease, you're pretty much stuck with that ũ귔 payment. Consider relocating when your lease expires to make your budget more manageable or take a look at your other "needs" to see if there's a way that you can reduce any of them. Maybe shop for more affordable insurance or transfer the balance on that credit card to one with a lower interest rate so your minimum payment drops a bit. Your goal is to be able to fit all these expenses into 50 percent of your take_home after_tax income.

List your expenses starting with the most important to the least important. Listing the expenses in order makes it easier to make cuts in your budget if needed. The most important should be things that cover your necessities. You will need to cover your housing, food, utilities (not including cable television), transportation costs, debt payments, and savings goals first. Then you will list luxury items which can include clothing, entertainment, eating out and gym memberships.

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