To create a simple budget, start by calculating your net income, which is your take-home pay after deductions for taxes and other expenses [5][9]. Next, track your spending by listing all fixed and variable expenses, separating essentials from nonessentials [2][7]. Set realistic financial goals and categorize your spending into needs, wants, and savings [4][8]. Finally, regularly review and adjust your budget to stay on track and make necessary changes as your income or expenses fluctuate [1][3][9].

How do you create a simple budget?

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