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The Importance of Budgeting
Summary:
* Budgeting forces an in-depth understanding of where your money is being spent
* Helps to reduce debt troubles
* There are easy tools to help youThe first and most important step to effective financial planning is developing and implementing a budget. That, of course, sounds easy and even simplistic. But if it were so easy, do you think thatso many millions of people would be as deeply in debt as they are? In its simplest form, budgeting simply means to live within one's financial means. This is in sharp contrast to the prevailinglifestyle of "living beyond your means". And how do you live beyond your means? The answer, of course, is by using credit.
If your debt is already out of control, it will be that much harder to implementa budget. However, it's doubly important that you do begin a budget if you are in debt. Without one, it's a virtual certainty that you'll never be able to live without debt. (For tips on debtreduction, please read the article Get Out, and Stay Out, of Debt!) A budget forces you to get your spending under control, to "live below your means". And if you have debt that must be paid off, livingbelow your means is exactly what you're going to have to do. Only then will you free up money that can go toward reducing and eliminating your debt.
So, how do you make a budget? There are numerouscharts and software and all kinds of things that you can buy to help you. They're all fine, but all that you really need is a notebook, a pencil, and a small calculator. Once you have these tools, sitdown and annotate everything that you spend money on in a month. Everything! You need to know exactly where your money is going, every penny of it. This may take more than one sitting, because youmay have to track your expenditures for awhile, possibly a whole pay period. Keep all of your receipts

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La importancia de los Presupuestos
Resumen:
• Presupuesto obliga a una profunda...