Make adjustments depending on what your budget reveals: The final step in creating a budget is the most telling.It's easiest to do this step while looking at your bank account and credit card statements from the past month. Determine the average monthly costs for each expense: List how much you spend on each expense per month and add them all up.This is an important step in the process because it helps you see where you can cut back if you need to. ![]() Your dining, travel, clothing (beyond the basics), subscriptions and memberships are variable costs. Examples of fixed costs are rent, utility bills, transportation, insurance, food and loan payments.
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