Making a Budget

1. Budgets are a necessary evil.

They’re the only practical way to get a grip on your spending — and to make sure your money is being used the way you want it to be used.
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Setting Priorities

1. Narrow your objectives.

You probably won’t be able to achieve every financial goal you’ve ever dreamed of. So identify your goals clearly and why they matter to you, and decide which are most important. By concentrating your efforts, you have a better chance of achieving what matters most.

2. Focus first on the goals that matter.

To accomplish primary goals, you will often need to put desirable but less important ones on the back burner.
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