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Money Mistake most people make
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[QUOTE="Caramelle, post: 212046, member: 150"] [JUSTIFY]Not having a budget is one of the major mistakes that many people make. A budget is a tool that you can use to plan your spending and savings based on your earnings. It tells you where you stand financially and how you can allocate your earnings to cover your expenditures and avoid dipping into your savings funds. It lets you identify areas of expenditures that require your quick attention. You can arrange payments and expenses in the order of importance and direct your earnings accordingly. You can use it to stay motivated in your financial plans. It's quite useful whether you are earning a fixed salary offline, a flexible salary online, or a combination of both. A one-year budget has been especially useful to me because it tells me ahead of time how much I need to earn in order to cope with my payments and expenses. I'm using a spreadsheet for this purpose because it's flexible and can be formatted easily to produce reports. Some dislike preparing budgets because they're too nitty-gritty. It may take a little time to do on your first month or year but they'll be easier to do on the next budgeting period. You can also use some help with budgeting apps that can be easily downloaded on your smartphone. These are simple ways to ensure that you are on track with it comes to your financial future. [/JUSTIFY] [/QUOTE]
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