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Budgeting and saving money doesn't come naturally to many people, for obvious reasons: it's easy and tempting to spend money on non_essentials, even if your budget is tight. So how can you get on track with a realistic budget and save money? These strategies, taken together, have the very real potential to improve your financial situation.

You might choose to break down your expenses even further, between things you need to have and things you want to have. For instance, if you drive to work every day, gasoline probably counts as a need. A monthly music subscription, however, may count as a want. This difference becomes important when it’s time to make adjustments.

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