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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.

Budgeting Worksheet : Goals_Based _ Most budgeting programs don't accommodate for your financial goals, they simply look back at the previous month to help you determine your spend for the current month. That is not good budgeting. If you have a cash flow problem, then it will just perpetuate into future months and you won't even realize it's happening. Furthermore, you are not creating a plan to achieve your goals.

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