![]() ![]() ![]() So whether you just got a raise and want to make sure you’re using the extra income wisely or you’re overdue for a raise and you have to pay extra close attention to your money situation, there’s no time like the present to start being more responsible about your finances. While you’re not necessarily in total control of your earnings or whether you’re getting paid fairly, you are in the driver’s seat with regards to deciding what to spend on - and when. Whether you like it or not, it’s time to start behaving like a real adult and take control over your personal budget. There are lots of sneaky ways we spend more than we mean to, so if you’re trying to grow your savings for long-term care, you need to start budgeting each month so you make some economic progress. Sure, you understand what your overall income is (and hopefully you also have a very good sense of your month-to-month earnings, your income taxes, and your take-home pay) - but do you have a plan in place to translate that info into a monthly budget? Why It's Important to Budget ![]() No matter how cautious you are about spending money, it may be difficult to keep yourself on track if you’re not using a budget worksheet to track your expenses. You might have used a budget worksheet, budget planner or budget template of any kind before, but what you really need is a budget manager - something to help manage your finances, not just plan your savings. ![]()
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