When you are creating a budget it is important to leave a little extra ‘fall’ back money in it. This fall back money will help you stay on budget, even if you accidentally spend a little more than you intended to. In addition, it will help you avoid withdrawing money from your savings for things that are not emergencies. If you do not end up using the fall back money, you can put it into your savings to help build up your emergency funds. This is a great way to stay on top and avoid debt.

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