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Money is something that you will always have to deal with in life. Because of this, effective budgeting is a crucial skill for anyone to master. The tips below give you some hints on managing your personal finances. A realistic budget is based on your actual income and expenditures. Be sure to take your income from all sources into consideration. You have to be certain that the money that is going in is more than the money that is going out. Spend some time making a record of your expenses. Compiling a list of expenses will help you keep track of your mon