How can I set a budget for my monthly expenses?
An example of an AI chatbot conversation about setting a budget for monthly expenses.
How can I set a budget for my monthly expenses?
To set a budget, start by listing your income and all your expenses. Then categorize them into fixed and variable expenses.
What if my expenses exceed my income?
If your expenses exceed your income, look for areas to cut back on. Consider reducing discretionary spending like dining out or subscriptions.
How do I track my spending?
You can track your spending using budgeting apps, spreadsheets, or even a simple notebook. Choose a method that works best for you.
What percentage of my income should I save?
A common guideline is to save at least 20% of your income, but adjust this based on your financial goals and needs.
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