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How to create an efficient budget plan?
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1. Start by identifying your income and your expenses.
2. Calculate your total income and total expenses, and compare the two numbers to see if there is a surplus or a deficit.
3. Make a list of your financial goals and prioritize them in order of importance.
4. Create a budget that takes into account all of your necessary expenses, and allocates a certain amount of money to each category.
5. Finally, set realistic goals to keep yourself on track with your budget plan.