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Second, and more importantly, this method doesn't provide any real guidance on what to do with money as it comes in. You're left to try to figure it out as you go. Mistakes are made...frustration sets it... you give up. That's because your budgeting worksheets are missing the most crucial part of any budget _ the spending plan.

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.

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