Creating a budget and saving money isn’t easy. It takes a little practice and a lot of discipline. A good way to start is to develop a savings plan. Just follow these steps:
Step 1: Pledge to stick to your plan.
Step 2: Figure out how much money you have coming in each month. Count your income from your allowance, part-time job and any other sources.
Step 3: Work out how much you want to save. Divide the money into several different categories:
Step 4: Put your plan in writing. Track how much money you have coming in and how much you spend.
Step 5: Set spending limits.
Step 6: Adjust your plan as needed.
A savings plan shows you where your money comes from, how much there is and where it goes.
Now take a look at where you spend your money. Do you overspend in several categories? By keeping track, you’ll learn about your spending habits. Then you’ll start to see ways to save.
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