![]() Step 3: Use Tools and Technology to Help Budget Putting away at least 10 percent of your take-home income in a separate savings account can help you prepare for an emergency or reach a long-term goal. Determine how much you can save each month, and make sure that is the first money you move. ![]() Then, subtract these costs from your monthly income.īefore assigning the rest of your income to discretionary spending, remember to pay yourself first.
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