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Budgeting is a powerful tool to ensure we're not overspending and helps us achieve our financial goals through proper planning.

• Always start a budget by setting clear goals like saving for a trip, vehicle, or special purchase like the next game!
• Break down your goals into manageable amounts (like saving $10/month for six months to reach $60)
• For kids, begin by listing all money sources such as allowance or gifts
• Call it a "spending plan" rather than a budget to frame it positively
• When extra money remains, revisit your goals before deciding whether to save or spend
• Tip: Involve children in real household budgeting experiences like grocery shopping
• Track your spending against your plan to hold yourself accountable

Family Challenge: Build a budget together! Help your kids create their own spending plan or walk them through your family budget process. Share your experience in the comments, and don't forget to like and subscribe.

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