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For so many people, budgeting is one of the difficult things to do – it actually sends chills up their spines. The reality is that it doesn't have to be that difficult to create a monthly budget.

Everyone wants to live a financially stable life, but no one wants to take care of certain points to make things better. It's definitely a weird thing about today's folks.

Always categorize your expenses first. You will have a hard time designing a right budget if you don't pay attention to the big categories in the beginning.