Creating a budget helps you to identify common pitfalls like overspending and stay on track to meet your financial goals.

  • Calculate your take-home pay.
  • List your expenses.
  • Categorise your expenses.
  • Find a budget planner.
  • Choose a budgeting method.
  • Review your budget.
  • Create your savings plan.
  • Lock away your savings.
  • Automate your savings.
  • Be disciplined.
  • Leverage micro-investments.

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