Being smart with money doesn’t have to involve high-risk investments or having thousands of dollars in the bank. No matter what your current situation is, you can be more financially savvy in your everyday life. Start by building a budget to help you stay within your means and prioritize your financial goals. Then you can work on paying down your debt, building up your savings, and making better spending decisions.

Set your financial goals.
[/b]Understanding what you are working toward will help you build a budget to meet your needs. Do you want to pay down debt? Are you saving for a major purchase? Are you just looking to be more financially stable? Identify your top priorities so that you can build your budget to fit them.

[b]Look at your overall monthly income.
[b][/b]A smart budget is one that doesn’t overextend your means. Start by calculating your total monthly income. Include not just the money you get from work but any cash you get from things like side-hustles, alimony, or child support. If you share expenses with your partner, calculate your combined income to figure out a household budget.
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