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Last blog, we mentioned learning about your household finances, taking responsibility for staying in the know, and managing them with the goal of having some savings.  A budget is a good place to start this resolution.   Start with your household income.  Remember gross income is not what you get to use, take out your federal and state taxes (there are great calculators on line to help you determine this).  Now, subtract your fixed monthly necessary expenses:  mortgage/rent, utilities (electric, gas, cable, internet, trash, phone, etc) , groceries, car payment, insurance (house, car, health), gas, medical expenses, and other regular expenses.  What do you have as your end amount?  Stay tuned for our next blog….
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