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Make Sure to Trim Your Taxes. Nobody likes paying taxes, but they are an important aspect of any financial plan. Even if you don't make much money, you might be surprised to learn how certain tax strategies and decisions can impact your finances. Learning how to minimize the impact that taxes have on your finances can ensure that more money is going into your pocket and being put to use towards your financial goals.

To account for those expenses (like car insurance) in your monthly budget, simply calculate the total expense for the calendar year and divide that by 12 in order to find the "monthly" expense. Write that number in the appropriate row and column. How to complete your monthly budget worksheet? To begin, we suggest gathering all relevant financial statements like your pay stubs, credit card bills, and any other information that will inform the best and most accurate estimate of your expected income and spending.

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