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Budgeting is a word that evokes terror and fear into the minds of a large number of. However, don’t be afraid! Making a budget for yourself isn’t as difficult as it may sound and is the first step to becoming financially free. When creating a budget begin by identifying all the sources of income you earn and then add the expenses you incur each month which include bills, food and the sneaky costs that seem to appear out of out of the blue. When you’ve got an exact image of your income and expenses, you’re ready to make tough choices. Find areas where you can reduce or cut out unnecessary expenditures. Maybe your daily coffee from a takeaway will soon become a regular treat or you may discover ways to cut down on costs for utilities. Keep in mind that every penny saved can be a step towards financial freedom.

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