Budgeting 101: How to Build a Budget

A good personal budget should include an emergency and savings fund. The best strategy in personal budgeting is to keep track of past spending and take keen note of the loop holes. Personal budget items such as housing, food, groceries, clothing, and personal care are considered basic. However, without being keen, other important, but not necessary items may creep into our budgets. Such items would include debt repayment, entertainment, and household shopping.  Related: How To Make Some Extra


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