Effective Budget Tips to Implement  

1) Use a budget app on your smartphone. We recommend 22Seven; 

2) Give every cent a name; 

3) Do budgeting together; 

4) Make use of the traditional envelope system; 

5) Create an emergency fund; 

6) Define your priorities; 

7) Master constant irregularities; 

8) Attack debt first;  

9) Track your progress.

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