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Budget Worksheet Simple Monthly Excel Spreadsheet Sheet Family

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Of course, now you must differentiate between which expenses are "needs" and which are "wants." Basically, any payment that you can forgo with only minor inconveniences such as your cable bill or back_to_school clothing is a want. Any payment that would severely impact your quality of life, such as electricity and prescription medicines, is a need.

A personal or household budget is an itemized list of expected income and expenses that helps you to plan for how your money will be spent or saved as well as track your actual spending habits. Though the word budget has taken on a more negative connotation over the years invoking an image of pinching pennies or limited spending, a budget is really just a tool_and a great tool at that_to gain better and more accurate insight into your spending habits.

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