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Keep track of your spending habits with a budget. A spending plan allows you to prioritize what’s important to you. Budgets can help you better understand where your money is going. By taking the time to go through your expenses and create a budget, you can find unnecessary spending and opportunities for saving.

Sticking to a budget can be hard, but it can also be rewarding. We may want to break our budget for purchases we don’t need, but when we stay true to our budget, we can be on track to reach our financial goals, such as buying a house or saving for college. 

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