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Stirring Budget 503020 Worksheet Free

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Now we have reached the make adjustments phase, subtract your expenses from your income and if you have some money left over at the end of the month you have got yourself a budget. Realistically most people will not have a workable budget at this point, again it's not really your fault if you don't have a budget, because nobody ever took the time to show you how to set up a budget, much less help you stay on a budget. It doesn't take a rocket scientist at this point to figure out that you should reduce your nonessential spending habits and that's what they usually are is habits, they are your wants, not your needs. Pare your expenses down so you have some money left over at the end of the month and you now have your first monthly budget.

I've found that when creating a budgeting worksheet the best way to start is with a set up like this; _ Firstly, place your pay dates along the top (shown from A1 to G1). These can be weekly, fortnightly or monthly or any period that you normally work from. _ Then list out each income source and the amounts you receive from them. For irregular payments such as Christmas bonuses etc set up a row specifically for this and maybe name it "Other Income".

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