The idea of putting either your existing financial situation, or your desired future on paper can be fearful, yet this is the only way you can properly plan. It is not enough to “guestimate” the expenses. You must know exactly what you are spending each month in order to do any future planning as well as to be able to make informed decisions about your current financial situation. The exercise of gathering this information is not to judge the spending, rather, it is simply research required to help you become more informed and more in control.
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