5. Your Budget
Over time, adjust your budget… This one is a biggie! Fine-tuning a personal budget can take months or even years. You had to guess at some of your estimates when you were initially making your budget plans. Maybe they were not in contact with the complexities of daily life. You may have underestimated your monthly food or utility bills, for instance. If this occurs, to see if your original calculation was unreasonable, analyze all the underlying money that was invested in this type.