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- Have a particular goal in mind
- Maybe you’re saving for a car, house or holiday. With your sights firmly set, making adjustments to your spending will come with great reward.
- Be reflective of your past behaviour
- Things don’t change overnight, so your budget should take into account your previous spending patterns as much as your future goals.
- Be flexible
- When it comes to your spending patterns, no two months are the same. Treat your budget in the same way.
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