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Get Your Budget on Track. You're not going to get ahead financially until you develop a reasonable budget _ one that allows for both some indulgences and for emergencies _ and then stick to that budget. Budgeting your money is the cornerstone of a sound financial plan. You might scoff at the idea of creating a budget _ after all, you pretty much know what you spend every month, especially on big_ticket items like rent/mortgage or car payment.

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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