Content Overview 
- Summary
- Step 1. Find Out What Your Spending Patterns Are
- Step 2. Break Your Expenses Down By Core Expenses (Expenses You Can't Do Without), Discretionary Expenses And Unnecessary Expenses:
- Step 3. Consider Whether There Are Ways To Spend Less For The Things You Need
- Step 4. Think About Your Goals For Your Money
- Step 5. Set Flexible Rules For A Budget That Fits Your Circumstances
- Step 6. Create The Budget
- Step 7. Give The Budget A Trial Period By Using Apps Or An Envelope To Help Keep Track
- Step 8. Tweak The Budget As Time Goes Along
Budget: Creating/Living With
Step 3. Consider Whether There Are Ways To Spend Less For The Things You Need
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For example:
- Perhaps you can rent a movie instead of spending much more seeing it in a theater.
- Perhaps you can bundle your telephone, television and cable service which generally costs much less than purchasing the three services separately.
For ideas, see our article on Spending Less Day to Day also see: Spending Less, An Overview
Please share how this information is useful to you.
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