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Be Realistic: Set achievable goals for saving and stick to it. Constricting expenditure seems difficult in the beginning but slowly habit sets in. As a motivation factor, annual household budget templates that provide estimation of how your budget will function for the entire year.

The most common budgeting method used is a blank piece of paper. We've all tried it at one time or another. Income is listed on one side, expenses on the other. The idea is to balance income against expenses so that, hopefully, there is still some money left at the end of the month.

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