Managing My Finances Spreadsheet

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Essential expenses are expenses that are required for living Non-essential expenses are the extra things you spend your money on In addition essential expenses may be broken down into fixed expenses and variable expenses.

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As it relates to personal finance budgets are an invaluable tool to help prioritize your spending and manage your money.

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Many sources recommend saving 20 of your income every month According to the popular 503020 rule you should reserve 50 of your budget for essentials like rent and food 30 for discretionary spending and at least 20 for savings.

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