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In this paper, you are required to prepare a report on budgeting and budget planning. You are supposed to answer all the mentioned questions in your report and provide explaining of budgeting and budget planning. Your report must be clear and easy to read.
A budget is a plan for your future income and expenditures that you can use as a guideline for spending and saving. Although many Americans already use a budget to plan their spending, the majority of Americans also routinely spend more than they can afford. The key to spending within your means is to know your expenses and to spend less than you make. A good monthly budget can help ensure you pay your bills on time, have funds to cover unexpected emergencies, and reach your financial goals.