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Virtually any expense you have can be put into one of these categories. So your worksheet should have plenty of space or data entry "cells" within these major categories.

Second, and more importantly, this method doesn't provide any real guidance on what to do with money as it comes in. You're left to try to figure it out as you go. Mistakes are made...frustration sets it... you give up. That's because your budgeting worksheets are missing the most crucial part of any budget _ the spending plan.

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