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# Personal budget
## Income
- Take-home pay
- Side income
- Irregular money: refunds, gifts
## Fixed costs
- Rent or mortgage
- Utilities and internet
- Insurance
- Phone and subscriptions
- Transport
## Flexible spending
- Groceries
- Eating out
- Clothes
- Fun and hobbies
## Savings
- Emergency fund: three months of costs
- This year's goal, and its date
- Retirement
## Debt
- Balances and interest rates
- Minimum payments
- The one to clear first
## Month end
- Left over or short
- Biggest surprise
- One cost to cut next month