A personal budget is a finance plan that allocates future personal income towards expenses, savings and debt repayment. Past spending and personal debt are considered when creating a personal budget. There are several methods and tools available for creating, using and adjusting a personal budget.
Creating a projection of your financial future can be a challenging task. From budgeting for unexpected expenses to estimating medical and entertainment expenditures, personal budget planning requires concentration and discipline. Successful personal budget planning accurately reflects fixed expenses, allocates for unexpected events and incorporates flexibility that creates long-term financial security.
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