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How to create a budget and stick to it?
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1. Start by determining your income and fixed expenses, such as rent and bills.
2. Subtract your fixed expenses from your income to get your discretionary income, and determine your savings goal.
3. Develop a budget plan and track your expenses to make sure you stay on budget.
4. Take a realistic look at your lifestyle and prioritize where you want to be spending your money.
5. Look for ways you can cut down on expenses, such as cooking more meals at home and reducing entertainment costs.
6. Consider automating your savings by setting up automatic transfers to your savings account each month.
7. Finally, track your progress, review your budget regularly and adjust it as needed.