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Awful Home Building Budget Worksheet

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You can easily create your own budgeting worksheets by accessing free worksheets online and then customizing them to your specific needs. This is one area where you definitely don't need to pay money unless, of course, they come with a software program you purchase. However, if you just want to make a list of your income and expenses that you will use to create a budget then you can find plenty of free examples online.

The big advantage of cash envelopes is that, if you budget properly, you will always have the cash to pay a bill when it comes due. No more worrying about where the money will come from, be it for mortgage or rent, utilities, car payments, repairs, taxes, discretionary spending, etc.

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