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Finally, do it again. After you have completed your first month of budgeting, it will be easier to plan for the next month. At the end of the month look at how you spent and make adjustments for categories in which you spent more than you planned, and cut back on the categories that had additional funds in them.

Creating a budget _ by Better Money Habits. Whether you're looking to create a personal budget spreadsheet or just get a better grasp on money management, start with these six steps. Whether or not you use a budget spreadsheet, you probably need some way of determining where your money is going each month. Creating a budget with a template can help you feel more in control of your finances and let you save money for your goals. The trick is to figure out a way to track your finances that works for you. The following steps can help you create a budget.

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