ADVANTAGES

Spending categories under this portion of your budget can include expenses like entertainment, dining out and your cell phone plan. These expenses are kind of like the that you can often trim. If you find yourself panicking in the days leading up to payday (will my card get declined again?!), this is the area of your budget you should consider cutting back on. You might want that latest and greatest smartphone, but do you need it? No. And your budget can help you determine how many of those “wants” you can actually afford.

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