A big part of creating a budget is logging all of your expenses from the last calendar month and categorizing them to see where you are spending your money. This is so important because we might not notice how that $5 latte each morning adds up to over $100 a month. There are a few budgeting techniques that can help you decide how much of your income you should be spending on needs, wants and savings. The trick is to pick one, try it for a month or two and then adjust as needed so that it works for your lifestyle.

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