Remove Emergency Fund Remove Grocery Spending Remove Holiday Remove Motivation
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How to Start a Budget (and be successful at it!)

Family Balance Sheet

Write down any events/holidays/activities that will require funds for the month that you are planning, along with a projection of what you’ll need. The grocery category is the easiest one to reduce. I list tons of ideas: How to Slash Your Grocery Spending . What a great problem to have, right?!?!

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