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When you have your bills and pay stubs: Step 1: Make a list of your bills and other expenses and the amounts. Bills include things like rent, electricity, water, or telephone service. Plus 11 Budgeting Myths Holding You Back. A budget is an estimation of revenue, expenses, or changes in finances over a specified future period and is usually compiled and re-evaluated on a periodic basis. How to Make a Budget: 5 Simple Steps - Ramsey.
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