Introduction
Budgeting can feel tough in the early career phase, but a few smart habits make it easier.
Track Expenses
Use apps to track where your money goes.
Create a Budget
Follow the 50-30-20 rule for spending, wants, and savings.
Avoid Debt
Don’t overspend on credit cards—pay bills on time.
Build an Emergency Fund
Keep at least 3-6 months of living expenses saved.
Save for Retirement Early
Even small contributions grow big over time with compounding.
Differentiate Needs vs Wants
Prioritize essentials over luxuries.
Review Monthly
Check spending habits and adjust budgets regularly.
Conclusion
Smart budgeting sets the foundation for financial freedom.
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