1. Making a list of all expenses incurred during the year
  2. Screening together
  3. Comparison with the income arising during the year
  4. If a positive difference arises your budget goes to
  5. If there is a negative difference, you must reduce your expenses (sell the car, move to a cheaper apartment).

Information about creating household budgets, with templates, conversion options and much more is available from the Budget advice.

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