Make a financial plan. The easiest way to get started with budgeting is to become aware of your spending habits. Get a receipt for everything you buy throughout the month on the first day of the month. Organize your receipts by category, such as dining, groceries, or personal care. You'll be able to see exactly where your money is going at the end of the month. This may also be available as an online banking service through your bank or credit union. It can be humbling to see how much you spend on food, shopping, and other expenses in total.
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