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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.

But try this anyway. Creating a budget and then following it can help you spot areas where you're spending more than you realize. Here you will find tips on how to create a budget and track expenses along with other money management techniques.

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