The first step is to decide how many buckets you need and what they’re for. To do this, list all your expenses during a regular spending period (monthly or fortnightly, say), group them into buckets, and set a budget for each bucket. Save 20% of your income into a savings account.Budget 30% of your income for lifestyle costs (like dining out, buying clothes).Budget 50% of your income for essential living expenses (such as rent, bills and groceries).
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