This is no easy task; however, taking small steps in the right direction will get you to your end goal. When creating a budget you need to know your income and expenses. Review these over the last 3 months so you know where and how you are spending your dollars. Try to minimize your debt, whether it is credit card debt or loans. Always remember to pay yourself first. This includes your retirement savings, and your emergency fund. Individuals should save 3-6 months worth of salary for their emergency fund. Having goals will only push you to stick with your budget.
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