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Too much credit card debt? There is a way out! Budgeting What is a budget? A budget is a plan to used to help coordinate financial activity, or simply put: adding up all sources of income and subtracting all expenses resulting in the former exceeding the latter. It is one of the most basic tools in financial planning and one of the most powerful. A budget can be as simple as it is effective and yet is one of the most often overlooked and under utilized concepts of financial management, and sound money management is crucial in obtaining one's financial goals. Benefit of Budgeting Budgeting helps you get an overall idea of your finances at any given time. It allows you to know exactly what you have, even down to the penny. Budgeting gives you control of your finances. It allows you to make an informed decision on what you can and cannot afford. It allows you to take control of your money instead of the other way around. It allows you to plan for the expected and the unexpected and gives you and idea of where you are now and what it will take to get where you want to go. Budgeting helps you organize sources of income and expenses. Budgets can also help by providing records of all your financial transactions and can provide a foundation for a simple filing system to organize bills, receipts and monthly statements. Budgeting also allows you to save time by automatically organizing your finances for tax time and any other situation regarding how and when you spent your money. Budgeting saves you money. It allows you to identify unnecessary expenses and reduce your overall cost of living resulting in extra money that can be used for other purposes. [
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